Mortgage Loan Officer

4 weeks ago

Dallas, Texas, United States Bank of England Mortgage Full time

Job Summary:

This position is located in Dallas, TX, and is responsible for serving as a main contact point for Borrower and Retail Operations with the loan origination process.

Key Responsibilities:

  • Market and promote company initiatives through outbound phone calls, emails, direct mail, association conventions, networking, advertising or other means of generating interest from potential clients.
  • Develop a pipeline of prospective clients through identifying potential clients and decision makers with the client organization and set up meetings with client decision makers.
  • Develop a rapport with new clients and provide support that will continually improve the relationship.
  • Handle objections by clarifying, emphasizing and working through differences to a positive conclusion.
  • Manage developing client accounts through consistent follow-up, communication and maintaining accurate notes to the Branch Manager.
  • Work with internal and corporate colleagues to meet customer/client needs.
  • Attend branch events, industry functions such as association events, conferences and seminars that will identify opportunities for campaigns, services and lead to garnering new clients.
  • Meet with applicants to obtain information for loan applications and answer applicant's questions regarding the loan process.
  • Input loan application information into Encompass System.
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements and other financial information.
  • Prepare mortgage loan file by reviewing loan application, clarifying or obtaining additional information as necessary.
  • Analyze, review and resolve application issues prior to submitting to Loan Processing.
  • Submit applications to credit analysts for verification and recommendation.
  • Initiate preliminary research needed on the loan to help determine mortgage eligibility.
  • Analyze applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Facilitate mortgage loan applications process by interfacing with Borrower in supplementing additional needed data for completed applications.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Handle customer complaints and take appropriate action to resolve them.
  • Confer with Underwriters to aid in resolving mortgage application problems.
  • Work closely with processors, closers and underwriters.
  • Assists in coordinating closing appointments in conjunction with the closing staff.
  • Maintain and ensure complete and accurate compliance with RESPA, Regulation Z, Fair Lending, HMDA, Bank Secrecy Act and other regulations regarding the mortgage application process.
  • Review Loans to ensure that they are complete and accurate according to policy.
  • Compute payment schedules.
  • Approve loans within specified limits and refer loan applicants outside those limits to management for approval.
  • Review and update credit and loan files.
  • Understand and comply with mortgage industry regulations, including the Fair Credit Reporting Act, the Real Estate Settlement Procedures Act, the Community Reinvestment Act, Truth-in-Lending laws, etc.
  • Protect Company's reputation and image by maintaining Borrower confidence, deliver a high level of customer service and by keeping mortgage loan information confidential.
  • Attend bi-monthly and or weekly production meetings with staff and management.

Requirements:

  • High School Diploma or GED equivalent required; some college preferred; College degree desired.
  • Intermediate computer skills (MS Office, Mortgage Loan Applications/Software).
  • Minimum of three (3) years' recent work experience as a full-time Mortgage Loan Officer in the banking industry.
  • Excellent customer service skills; written and oral communication skills and ability to demonstrate control, flexibility and maintain quality and high productivity when dealing with customers and changing work demand.
  • Must possess basic PC skills in Microsoft Windows, Word, PowerPoint and Excel or equivalent software. Encompass experience desired.
  • Demonstrate effective and strong verbal and listening communication skills with the ability to effectively communicate with principals, executive management and clients.
  • Demonstrate the assertiveness, perseverance, energy and passion - results oriented behavior required to be successful in this role.
  • Demonstrate effective problem solving, planning & time management skills.

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