Mortgage Loan Specialist

Position Overview: The Mortgage Loan Specialist is tasked with the essential role of facilitating the origination of mortgage loans, home equity lines of credit (HELOC), and consumer loan applications.

Key Responsibilities:

1. Engages in the loan origination process by interacting with clients and reaching out to real estate professionals, builders, and other potential referral sources; conducts sales activities at clients' locations or other venues outside of the bank's operational premises.
2. Addresses inquiries from clients regarding the bank's loan offerings and assists with their applications.
3. Stays informed about relevant government regulations and the bank's internal policies related to lending; participates in training sessions focused on compliance and industry regulations.
4. Understands and adheres to current fair lending laws and internal policies; ensures compliance at all times.
5. Evaluates loan applications within their authority; for applications exceeding this limit or requiring exceptions, refers to the appropriate senior management for decision-making as per established guidelines.
6. Effectively manages relationships with service providers and vendors; establishes clear expectations, develops performance metrics, and provides constructive feedback.
7. Performs additional tasks as necessary.

Essential Competencies:

1. Adaptability
2. Effective communication
3. Customer service orientation
4. Interpersonal skills
5. Industry knowledge
6. Sound judgment
7. Leadership capabilities
8. Organizational skills
9. Staff development

Technical Proficiency:

1. Proven experience in mortgage lending is essential.
2. Familiarity with lending laws, regulations, and guidelines is required.
3. Background in customer service is necessary.
4. Experience in financial services or banking is advantageous.
5. Proficiency in Microsoft Office Suite (Outlook, Excel, Word) or similar software is required; familiarity with Encompass, Cleartouch, OnBase, and various government and investor software/web portals is preferred. Experience with CRM software is also beneficial.

Education and Experience Requirements:

1. Education: A High School Diploma is mandatory; a Bachelor's degree in Marketing or Communications is preferred.
2. Certification: NMLS certification is required.
3. Experience: A minimum of 3 to 5 years of experience as a Loan Officer (Originator) is required.

Work Environment:

• The role involves regular physical activities such as lifting, walking, standing, sitting, bending, reaching, climbing, and using hands, along with the ability to see, hear, and speak.
• Occasional lifting or moving of items up to 25 pounds may be required.
• The typical noise level in the work environment ranges from quiet to moderate.
• This position is primarily performed outside of a traditional office setting, with work hours being flexible and determined collaboratively with management.