Senior Mortgage Loan Officer
2 weeks ago
Position:
Residential Lending Sr Loan Officer
Location:
Marion, IL
Summary:
The Residential Lending Sr Loan Officer is accountable for the solicitation, negotiation, and documentation necessary to prepare mortgage loans and Home Equity Lines of Credit (HELOCs) for underwriting, ensuring adherence to federal regulations and the lending policies of the Bank.
Key Responsibilities:
- Proactively generate mortgage loans through established referral networks and banking collaborations.
- Collect financial details from clients, including income, assets, liabilities, and credit history.
- Assess creditworthiness and eligibility for mortgage products.
- Conduct client interviews to identify their needs and objectives.
- Clarify the various mortgage loan options available and suggest the most suitable choices for each client.
- Prepare and submit mortgage loan applications in line with established standards.
- Collaborate with processing and underwriting teams to obtain loan approvals.
- Oversee the closing process, ensuring all documentation is completed and signed.
- Cultivate relationships with clients and referral sources, including real estate agents, builders, and financial professionals.
- Actively engage in branch activities to train retail staff and secure mortgage referrals.
- Participate in ongoing sales, product, and regulatory training as directed by bank management.
- Identify opportunities to cross-sell bank products and services across departments.
- Stay informed about the latest mortgage lending regulations and trends.
- Remain knowledgeable about underwriting policies, procedures, and changes affecting all mortgage loan products.
- Adhere to applicable laws and regulations, as well as the Bank's internal policies and procedures.
- Engage in continuous mortgage compliance training covering topics such as the Dodd-Frank Act, ATR/QM Rules, Truth in Lending Act, RESPA, HMDA, ECOA, Fair Housing Act, and Fair Credit Reporting Act.
All employees are expected to safeguard the organization's information and assets through heightened awareness of information security, cybersecurity, and risk management best practices, while complying with all relevant laws, regulations, and organizational policies.
Qualifications and Skills:
To excel in this role, candidates must demonstrate the ability to fulfill each essential duty satisfactorily. The following qualifications are representative of the knowledge, skills, and abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
Education/Experience:
- A Bachelor's degree in finance, accounting, or a related field is preferred.
- A minimum of three years of mortgage banking experience in the designated territory.
- A solid understanding of the mortgage lending process.
- Familiarity with Encompass is preferred.
Knowledge/Skills/Abilities:
- Strong business development and sales acumen.
- Excellent organizational skills and attention to detail.
- Strong customer service orientation with the ability to manage client relationships effectively.
- Professional demeanor with exceptional communication, interpersonal, and conflict resolution skills.
- Capability to work independently as well as collaboratively within a team.
- Proficient problem-solving skills, with the ability to prioritize tasks and meet deadlines.
- Critical thinking skills and sound judgment in decision-making.
- Ability to respond to common inquiries or complaints from clients, colleagues, or vendors.
- Effective and tactful communication skills, both orally and in writing, with employees, clients, vendors, and management.
- Proficient in defining problems, collecting data, establishing facts, and drawing valid conclusions.
- Understanding and compliance with company policies and procedures.
- Ability to maintain a friendly, helpful, and courteous demeanor when interacting with clients or colleagues under various conditions.
- Proficient in performing standard mathematical calculations accurately and quickly.
- Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
- Competence in using calculators, computers, and relevant software.
- Familiarity with various internet browsers and Microsoft Office applications, particularly Word, Outlook, Excel, and Teams.
Physical Demands:
The physical demands outlined here are representative of those that must be met by an employee to successfully perform the essential functions of this position.
Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. The employee must be capable of lifting and carrying 25 pounds over a distance of 50 feet.Job Descriptions Intent:
The statements above are intended to describe the general nature and level of work performed by individuals assigned to this role. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.
Banterra promotes an Equal Employment Opportunity workplace, which includes reasonable accommodation for otherwise disabled applicants and employees. Please consult your supervisor if you have any questions regarding this policy or these job duties.
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.
However, no accommodations will be made that may pose serious health or safety risks to the employee or others or that impose undue hardships on the organization.
Job descriptions are not intended to create employment contracts. Banterra maintains its status as an at-will employer.Banterra Bank is an Equal Opportunity/Affirmative Action employer.
All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, age, disability, protected veteran status, or any other characteristics protected by law.
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