Mortgage Loan Officer II Position

4 weeks ago

St Louis MO USA, United States First Mid Bank & Trust Full time
Job Summary

As a Mortgage Loan Officer II at First Mid Bank & Trust, you will be responsible for producing a high volume of good quality consumer and real estate loans. This role requires analyzing data, approving or denying credit requests, and collecting delinquent loans. You will also be responsible for ordering credit reports, interviewing loan applicants, and conducting loan closings.

Key Responsibilities
  • Interview loan applicants to explain loan options, rates, terms, and collateral requirements.
  • Conduct loan closings and ensure all documents are appropriately signed and all underwriting conditions are met.
  • Manage and supervise individual loan portfolios, develop and maintain existing customer base, and build customer satisfaction and confidence in the Bank.
  • Maintain the asset quality of lending portfolio by reviewing delinquency reports, performing routine follow-up with past due customers, and coordinating collection efforts with other loan officers.
  • Analyze and make decisions regarding the Bank's credit check program and collect any delinquent accounts.
  • Review daily overdrafts, determine whether to return or pay checks, and produce follow-up letters on accounts overdrawn over ten days.
  • Assist other loan officers with underwriting questions or program information.
  • Order title work for real estate loans, review same, and take care of any curative matters that may arise.
  • Proactively identify, develop, and maintain a quality network of business relationships with Realtors, Attorneys, and other professional contacts that serve as a source of referrals for new mortgage lending opportunities.
  • Cross-sell bank products and services in a professional manner.
  • Complete required training associated with job function.
  • Perform other related duties as assigned.
Qualifications

Education/Experience:
  • Bachelor's degree preferred or equivalent advanced training in a financial institution or loan setting.
  • Must register and maintain a status in good standing under the SAFE Act requirements.
Skills:
  • High level of interpersonal skills to interact with customers and potential customers in a professional manner.
  • Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements.
  • Interpersonal skills necessary to establish and maintain effective working relationships with coworkers, other business areas, and government agencies as required.
  • High level of direct marketing skills necessary, as regular and ongoing direct marketing is required in order to establish relationships with referral sources and identify networking opportunities.
  • High level of analytical skills to conduct loan analysis and maintain loan's progress in consideration of market trends, credit/interest rates, economic conditions, and other factors.
  • Good understanding and knowledge of Company's products and services.
  • Good cross-selling, management, and organizational skills.
  • Adequate knowledge of both internal policies and procedures and the respective state and federal laws and regulations governing departmental functions to ensure performance of individual job duties within the proper control environment.
  • May be required to work earlier or later than the normal workday.

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