Community Mortgage Loan Officer

3 weeks ago


Fairview Heights, United States Enterprise Bank and Trust Full time

Enterprise Bank & Trust was founded in the spirit of entrepreneurship and community. From the small mom-and-pop coffee shop to the large construction company that employs local people, our goal is to help businesses succeed and our communities thrive. 

With offices in Arizona, California, Florida, Kansas, Missouri, New Mexico, Nevada and Texas, we’re strong, growing and committed to supporting the communities we serve. We extend this commitment to the community to our associates, offering annual paid volunteer time off and charitable-matching opportunities. Voted a Best Bank to Work For by American Banker for multiple years, we offer our associates an array of benefits and the opportunity to chart their own career path with us. Join us in the pursuit of our mission to guide people to a lifetime of financial success, and enjoy a career filled with professional growth opportunities, interesting colleagues and the satisfaction of supporting our communities. 

Together, there’s no stopping you

Job Title:Community Mortgage Loan Officer (Hybrid Eligible: MO)Job Description:


Summary:

This position will make service calls to current and prospective customers for purpose of generating loan originations and cross-selling of financial services and products and develop referral partner relationships within real estate community and CRA community.

Essential Duties and Responsibilities:

  • Generate customer prospects through outbound calling and meeting with clients:
  • Prospect for new loans through phone calls, email, traditional & social networking
  • Cross-sell financial products to qualified prospects
  • Use web-based CRM systems for assistance in calling current company customers
  • Load complete 1003 residential loan application into Loan Origination System (Encompass)
  • Pull credit, determine eligibility, set product, lock rate, turn quality file into processing
  • Discuss Programs, Products, and Fees with customers and determine scenario in customer’s best interest
  • Disclose documents within 3 days of application
  • Assist with getting documents back from client
  • Become an expert on real estate agent partnership building, including the following duties: (make service calls to nurture potential customers, agent prospecting, and attend networking meetings)
  • Attend relevant investor, bank, governmental and association trainings as requested by supervisor
  • Attend events that engage community involvement in home ownership in the low to moderate income areas and low to moderate income borrowers
  • Generate loan applications through self-generation and referral relationships
  • Load application into Loan Origination System, determine eligibility, set product, lock rate, turn quality file into processing
  • Maintain 85% Customer Satisfaction rating with borrowers with minimum response benchmark
  • Maintain customer confidence by keeping loan information confidential

Qualifications:

  • General understanding of the mortgage business, sales, and office environment is preferred, but not required.
  • Positive attitude and pleasant interpersonal skills       
  • Accuracy in details
  • Business writing skills
  • Ability to speak and understand English and Spanish language to communicate with customers, co-workers or supervisors               
  • Ability to set and meet priorities
  • Knowledge of financial statements and tax return forms
  • Computer skills for word processing and databases
  • Strong telephone communication skills
  • Knowledge of documents needed for mortgage or various consumer type loans
  • Professional appearance and demeanor for interaction with public
  • Ability to maintain good conversational skills
  • Knowledge of bank policies, procedures, regulations, forms, departments, and products

               

Supervisory Responsibilities:

  • None

Education and/or Experience:

  • Bachelor's degree preferred.  Degree in financial, sales, marketing, or business fields preferred.
  • 3-5 years sales experience preferred

Computer and Software Skills:

  • Microsoft office suite
  • Salesforce

Certificates, Licenses and Registrations:

  • Mortgage Loan Officer license preferred
  • NMLS #

Equal Opportunity Statement:

Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources at hr@enterprisebank.com.

Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live.  We are proud to be an Equal Opportunity Employer.  All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability.  All employment offers are contingent upon the applicant successfully completing both drug and background check screenings.  If you would like more information about your EEO rights as an applicant under the law, please download the Equal Employment Opportunity is the Law poster HERE.



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