Mortgage Loan Officer

3 months ago


Savannah, United States Queensborough National Bank & Trust Co. Full time
Duties/Responsibilities:

  • Meets with and interviews potential and current clients to understand their lending needs including first-time mortgages and refinance of existing loans.
  • Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications.
  • Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness.
  • Reviews loan applications, gathers credit histories and reports, and assesses applicants capacity to repay and default risk.
  • Based on predetermined requirements, assesses, and grants or rejects mortgage applications.
  • Views or visits property for real estate purchase or refinance.
  • Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.
  • Develops and maintains contacts with local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages.
  • Originating investment quality mortgage loans (FHA, VA, conventional, USDA).
  • Servicing mortgage referrals from banking centers.
  • Performs other duties as assigned.


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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