Mortgage Loan Officer

2 weeks ago

Columbia, United States BTC Bank Full time
Job DescriptionJob Description

About BTC Bank

BTC Bank is a community bank founded on the traditional values of personal customer service. Our continued tradition of serving our friends and neighbors with courteous, professional banking services maintains its standard of excellence today. We strongly support our local communities. We are proud of the roots of our past and prepared for the growth in our future.


Work Location: This position will be based at our Columbia, MO location.


Hours: 40 hours per week, including Saturday rotation


Duties and Responsibilities:

  • Must be able to underwrite, originate & service portfolio loans as well as perform front-end and back-end administrative tasks.
  • Should be comfortable with secondary market products and processes.
  • Be fluent in TRID requirements.
  • Be willing to learn to originate other types of credits.
  • Prefer a lender with experience in the Columbia/Boone County market with established relationships with realtors, appraisers, title companies, and builders.
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Meet with applicants to obtain information for loan applications and to answer questions about the process.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
  • Handle customer complaints and take appropriate action to resolve them.
  • Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
  • Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
  • Review and update credit and loan files.
  • Submit applications to credit analysts for verification and recommendation.
  • Compute payment schedules.
  • Confer with underwriters to aid in resolving mortgage application problems.
  • Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
  • Work with clients to identify their financial goals and to find ways of reaching those goals.
  • Negotiate payment arrangements with customers who have delinquent loans.
  • Analyze potential loan markets and develop referral networks to locate prospects for loans.
  • Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
  • Provide special services such as investment banking for clients with more specialized needs.
  • Arrange for maintenance and liquidation of delinquent properties.
  • Petition courts to transfer titles and deeds of collateral to banks.

Qualifications:

  • Bachelor’s degree in Economics, Finance or similar area is useful but not required.
  • 1 – 2 years sales experience in lending or banking.
  • Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers.
  • Excellent computer proficiency (MS Office – Word, Excel and Outlook).
  • Must be able to work under pressure and meet deadlines, while maintaining a positive attitude and providing exemplary customer service.
  • Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines, and standard accepted practices.

Working Conditions:

  • This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical Requirements:

  • This position requires manual dexterity, the ability to lift files and open filing cabinets. This position requires bending, stooping or standing as necessary.
  • Ability to safely and successfully perform the essential job functions consistent with the ADA, FMLA and other federal, state and local standards, including meeting qualitative and/or quantitative productivity standards.
  • Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards.
  • Must be able to talk, listen and speak clearly on telephone

To learn more about BTC Bank visit www.btcbank.bank


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