Mortgage Loan Officer- Mobile County

6 days ago


Mobile, Alabama, United States ServisFirst Bank Full time
Job Summary
Mortgage Loan Officers at ServisFirst Bank are responsible for proactively soliciting new residential mortgage business and identifying, developing, and maintaining a quality network of business relationships. As a Senior Residential Mortgage Specialist, you will be expected to provide exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements.

Duties and Responsibilities
* Assist clients in determining the proper loan program
* Complete mortgage applications for submission to loan processing and underwriting
* Provide required initial disclosures within the given time frame set by compliance
* Establish a detailed marketing/business plan which includes names of potential and existing loan customers, realtors, builders, and developers; include frequency of contact in the plan
* Promote and cross-sell other products and services as appropriate to client requirements
* Conduct networking activities such as community events, attending local Chambers of Commerce meetings, developing relationships with centers of influence, and entertaining clients/prospects to enhance relationships and create new sales
* Evaluate loan requests, analyze financial data, and determine qualification of collateral and client credit history
* Structure loans to comply with acceptable lending practices and federal and state regulations
* Maintain contact with client throughout the loan process
* Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies

Requirements
* High school diploma or equivalent; bachelor's degree preferred
* Two (2) years of mortgage lending experience with proven mortgage production
* Previous experience using automated underwriting technology preferred
* Basic knowledge of bank operations and products
* FHA/VA experience required
* Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements
* Excellent knowledge of agency guidelines
* Effective oral, written, and interpersonal communication skills with the ability to carry out instructions, understand procedures, and write correspondence
* Proficient in Microsoft Outlook, Word, and Excel
* Excellent customer service and time management skills
* Ability to multitask, as shown in previous experience as a processor completing tasks under time constraints
* Good organizational skills and ability to develop basic understanding of underwriting guidelines
* Good data entry/keyboarding and math skills

Estimated Salary: $60,000 - $80,000 per year, depending on experience.

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