Mortgage Loan Officer

1 week ago

Vancouver, Washington, United States Washington Trust Bank Full time
About the Role

Washington Trust Bank is seeking an experienced Mortgage Loan Officer to join our External Loan Officer team. As a key member of our Home Loan Division, you will be responsible for sourcing your own business through professional relationships, realtor referrals, repeat clients, and other compliant means.

Key Responsibilities
  • Establish and develop relationships with real estate agents to refer potential mortgage customers to WTB.
  • Complete loan applications with customers and act as a liaison between customers and the Home Loan Division.
  • Represent WTB to real estate companies and potential mortgage customers.
  • Pre-qualify self-employed borrowers, prepare cash flow work sheets, and analyze financial records and tax returns.
  • Maintain responsibility for the loan file from application through closing.
  • Balance time between the office and in the community to promote yourself and the Bank, and ensure timely customer communication.
  • Maintain a regular calling schedule with offices and real estate agents to keep them up to date on WTB loan programs.
  • Establish good working relationships with the Home Loan Division support staff.
  • Cross-sell WTB products and services to loan customers.
  • Meet negotiated production goals.
  • Report regularly to the department manager or center manager, or as requested.
  • Perform compliance and risk management duties as required or assigned.
Requirements
  • Collection of applicable fees from borrowers.
  • Knowledge of real estate and mortgage banking industry.
  • Knowledge of Truth-in-Lending and compliance with government regulations.
  • Knowledge of conventional, FHA, VA, and construction loan policies and procedures.
  • Required to have or obtain a Mortgage Loan Originator registration number through the Nationwide Mortgage Licensing System & Registry (NMLS).
  • Ability to work independently and perform problem-solving and decision-making under minimal supervision.
  • Strong detail orientation with a high level of organizational skills and ability to multi-task, managing interruptions with multiple projects.
  • Ability to prioritize assignments and handle multiple priorities while maintaining a high level of service to clients in a deadline-driven environment under the direction of management.
  • Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people, managing conflict and negotiating for results when needed.
  • Strong verbal and written communication skills, including ability to communicate and collaborate effectively with technical and non-technical people.
  • Proficient PC and technical skills to navigate Bank software, including the Microsoft Office Suite of products and related applications.
  • Ability to work additional hours as required by operational and production workloads.
Compensation and Benefits

The compensation package includes a base hourly rate of $35.00 per hour, in addition to monthly gross commissions. The target starting wage is $25.00 per hour as a non-recoverable draw against monthly commissions. You will become a participant in the MLO incentive plan immediately upon starting your employment with us.

Our Culture

Washington Trust Bank celebrates diversity in the workplace and actively recruits talent to help reflect the unique communities where we live and work. We are proud to be an equal opportunity employer and prohibit discrimination or harassment based on race, religion, sex, gender identity, sexual orientation, national origin, age, pregnancy, disability, genetic information, and any other protected characteristics outlined by state, federal, and local laws.

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