Residential Lending Sr Loan Officer
4 weeks ago
- Self-source and generate mortgage loans through established referral partners and banking partnerships.
- Gather financial information from clients including income, assets, debts, and credit history.
- Evaluate creditworthiness and eligibility for mortgage loans.
- Interview clients to understand their needs and goals.
- Explain the difference types of mortgages loans available and recommend the best options for each client.
- Prepare and submit mortgage loan applications in accordance with standards.
- Work with processing and underwriting departments to secure loan approvals
- Manage the closing process and ensure that all documents are completed and signed.
- Build relationships with clients and referral partners, including realtors, builders, financial and industry professionals.
- Regularly participate in branch activities to train retail staff and gain mortgage referrals.
- Participates in regular sales, product and regulatory training as assigned by the bank management.
- Identify opportunities to cross-sell bank products and services between all departments.
- Stay up to date on the latest mortgage lending regulations and trends.
- Keep abreast of underwriting policies, procedures and changes for all mortgage loan products.
- Comply with applicable laws and regulations as well as the Bank's written policies and procedures.
- Participate in continued mortgage compliance training including, but not limited to: Dodd-Frank Act, ATR/QM Rules, Truth in Lending Act, Real Estate Settlement Procedures Act (RESPA), Home Mortgage Disclosure Act (HMDA-Regulation C), Equal Credit Opportunity Act (ECOA-Regulation B), Fair Housing Act, Fair Credit Reporting Act, etc.
- Bachelor's degree in finance/accounting or related field preferred.
- Three years' mortgage banking experience in the assigned territory.
- Strong understanding of the mortgage lending process.
- Experience with Encompass preferred.
- Strong business development and sales skills.
- Strong organizational skills and attention to detail.
- Strong customer service orientation and ability to manage customer relationships.
- Professional demeanor with excellent communication, interpersonal skills and conflict resolution skills.
- Strong communication and interpersonal skills.
- Ability to work independently and as part of a team.
- Ability to problem solve, prioritize tasks and meet required deadlines.
- Ability to think critically and use good, sound judgment in decision-making.
- Ability to respond to common inquiries or complaints from customers, co-workers or vendors.
- Ability to communicate effectively and tactfully, orally and in writing with employees, customers, vendors and management.
- Ability to define problems, collect data, establish facts and draw valid conclusions.
- Must understand and comply with company policies and procedures.
- Ability to maintain a friendly, helpful and courteous attitude when working with customers or co-workers under diverse conditions.
- Ability to accurately and quickly complete standard mathematical calculations.
- Ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations.
- Ability to use a calculator, computer and applicable software.
- Ability to use a variety of internet browsers and Microsoft Office programs, specifically Word, Outlook and Excel and Teams.
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