Loan Interviewer Mortgage Job Description Sample
Loan Review Associate Flexible Manager Of Accounting & Loan Servicing Needham, MA Market Sales & Service Delivery Coordinator Worcester, MA Mortgage Loan Officer Avon/Farmington, CT Mortgage Loan Officer Albany, NY Mortgage Loan Officer Albany, NY Mortgage
Division: Risk Management
Department: Loan Review
Reports to: VP, Loan Review
Location: Any Major Berkshire Bank Location
Perform loan reviews of existing commercial loan relationships for credit quality, risk assessment and credit administration. The Loan Review Associate provides either the FVP – Loan Review Manager or VP – Loan Review Officer timely, objective assessment of the credits reviewed.
Accountable for preparing a loan review summary by analyzing credit data and financial statements to determine the degree of risk involved in credits.
Confer with loan officers and other business representatives to more fully analyze credit information.
Review completed loan presentations, including analyzing credit and determining risk rating of credit.
Prepare loan review summary to analyze cash flow, collateral tables, and any other financial metric required in order to determine the risk rating of a relationship.
Review commercial customer files to identify potential loans to be transferred to the special assets group.
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
Assumes additional duties and responsibilities as necessary to ensure department objectives are met.
Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one's duties.
Mentors the Loan Review Analyst.
BS degree in Accounting or Business or equivalent work experience
On-going education in commercial lending/loan review
- 3 + years experience as a seasoned credit analyst or risk analyst of a steadily growing commercial portfolio up to $250 million or greater, including a portfolio of Asset Based lending products
Skills & Knowledge:
Strong analytical and organizational skills
Working knowledge of computer programs such as Excel and Access
Strong written and verbal communication skills
Knowledge of Loan Documentation and Security Interest Perfection
Mortgage Loan Officer
Promote SELCO Mortgage and generate mortgage loan business.
Interview mortgage loan applicants and review credit and other criteria to determine proper mortgage loan program.
Respond and follow-up on mortgage inquiries in a timely manner.
Assist mortgage applicants with loan application process.
Ensure that each mortgage loan is processed in a timely and accurate manner from the initial interview to submission and through funding.
Develop mortgage loan business through seminars, contact with realtors, contractors, other institutions and potential borrowers.
Actively engage with people in a respectful and professional manner.
Communicate with internal, external, and potential members in a friendly, professional manner in person, over the phone, and via e-mail.
Adhere to federal and state regulations, credit union policies, and other compliance obligations.
Consistently achieve stated goals.
Participate in required meetings and training.
Demonstrate leadership skills and maintain corporate values and mission statement.
Represent the Credit Union with a high level of integrity and professionalism.
Support Management and member decisions and goals in a positive, professional manner.
Actively participate in security, robbery, disaster recovery and fire training.
Actively contribute to Credit Union and department team goals and functions, including but not limited to, initiating resolution of observed or known issues concerning other departments and championing other departmental changes that will benefit the organization.
Perform other duties as assigned.
Interaction and Environment
Reports To: SELCO Mortgage Manager
Work areas are inside in a climate-controlled environment in close proximity to other employees with moderate background noise. Travel between work locations is required.
Material and Equipment Used
Computer, Fax Machine, Copier, Scanner, Telephone, Calculator, General Office Supplies
Physical Activities Required to Perform Essential Functions
Sitting/Mobility: Approximately 70% of time is spent working at a desk. Balance of time (approximately 30%) is spent moving around work areas.
Communication: Ability to effectively communicate with co-workers, members and outside agencies, by telephone and in person.
Vision: Ability to effectively use a computer screen and interpret printed materials, memos and other appropriate paperwork.
Lifting/Carrying: Ability to transport files and office supplies.
Stooping/Kneeling: Ability to access files and stock supplies in low cabinets and shelves.
Reaching/Handling: Ability to input information into computer systems and retrieve and work with appropriate paperwork, equipment and supplies.
Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.
Possess comprehensive knowledge of state and federal laws related to mortgage banking, financial privacy and fair lending.
Strong analytical ability with active listening skills.
Possess knowledge of mortgage loan program specific requirements.
Sophisticated word processing and computer database skills, including knowledge of Microsoft Office software.
Strong interpersonal skills with the ability to work with individuals and groups at all organization levels; ability to work independently and as part of a team.
Ability to take initiative and prioritize tasks; good time-management, organizational, problem-prevention and problem-solving skills.
Ability to recognize member financial needs and effectively cross-sell Credit Union and CUSO products and services; excellent member/customer service skills.
Ability to make sound, logical decisions based on mortgage loan policies and guidelines.
Ability to maintain confidentiality of sensitive information.
Possess a work ethic that includes neatness, punctuality and accuracy.
Ability to concentrate in environment with background noise.
Ability to complete or resume tasks despite interruptions.
Education and Experience
High school diploma or equivalent; and
Bachelor's degree or equivalent experience; and
At least two (2) years of experience in mortgage banking; and
Must maintain minimum education and exam requirements in accordance with Department of Finance and Corporate Securities and Nationwide Mortgage Licensing System State Registration (this requirement may be waived at manager's discretion for employee's first ninety (90) days); and
Must be bondable.
I have reviewed a copy of the Mortgage Loan Officer job description job description. I understand that this job description is not a contract of employment and in no way changes the at-will nature of the employment relationship with SELCO Community Credit Union.
Mortgage Loan Originator
Job Title: Mortgage Loan Originator
Location: Flexible - Main, Taylorsville or Riverton Branch
Responsible for origination of various long term brokered mortgage programs and held in portfolio credit union products. Responsible for bringing in mortgage business through relationships with realtors, builders, prospective and current members. Conducts initial prequalification interviews and prepares complete loan application packages and necessary documentation. Conveys policies for extension of credit in accordance with Credit Union and secondary investor guidelines. Provides general Credit Union information and cross-sells services.
Essential Duties, Skills & Abilities
Exhibit outstanding member services skills by applying Granite Credit Union Service Standards and Core Values.
Assumes responsibility for meeting established mortgage loan production levels.
Assumes responsibility for establishing and maintaining effective and professional business relations with members, realtors, builders and mortgage professionals.
Assumes responsibility for the effective and professional completion of loan origination functions.
Interviews, pre-qualifies, completes application documents, and analyzes preliminary documentation for loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation. Explains mortgage process, time frames to expect and lock in procedures thoroughly. All in such a manner as to elicit a shared understanding and positive responses from members.
Stays informed regarding changes and trends in the local real estate and competitive lending market.
Ensure that all information and transactions regarding credit union members are kept confidential.
Maintain the security of the work area and keep it organized and neat in appearance.
Maintain a professional and courteous attitude with all people, including fellow employees, members, management staff, board members, and outside vendors.
Attend meetings as required.
Promote a professional appearance and attitude.
Required Knowledge and Experience
Understanding of the foundation of determining credit worthiness.
Knowledge of Mortgage Investor selling guidelines and requirements.
One to two years of mortgage loan originating experience.
Mortgage lending sales experience.
Associate degree in business or related field or an equivalent combination of formal training and experience.
Granite Federal Credit Union is an Affirmative Action/Equal Opportunity employer. Upon request, reasonable accommodations to the application and/or interview process will be provided to individuals with disabilities. Minorities and women are encouraged to apply.
March 2, 2018
RB Mortgage - Residential Mortgage Loan Officer II - Austin
To be considered for employment opportunities at RBFCU, all application fields must be completed.
Please enter your name and address in proper case format when completing the job application. Proper: John Examples, 123 Example Street
Improper: JOHN EXAMPLES, john examples, 123 example street, 123 EXAMPLE STREET
Job Description and Requirements
The Loan Officer will be responsible for the origination of FHA/VA & Conventional mortgage loans in accordance with HUD/ VA and Fannie/Freddie, as well as, RBFCU guidelines. Call on Realtors, Builders and other potential referral sources. Conduct initial pre-qualification interviews, send time sensitive mandated disclosures, and work closely with a loan processor and closer to ensure a timely closing. Maintain and manage a pipeline of loans within Encompass LOS. Respond to phone inquiries from branches, members, and non-members. Collaborate with various internal/external partners, throughout the entirety of the mortgage process.
Interview, collect, examine and evaluate borrower financial and personal data to counsel and recommend
appropriate residential lending products
Originate FHA/VA & Conventional loans that meet investor qualifications
Accurately complete required disclosures as required
Submit loan through an AUS to determine eligibility
Interpret AUS findings and communicate required documentation items needed for closing
Review earnest money contract for pertinent information as it relates to the loan transaction
Obtain and analyze required member documents related to mortgage loan request
Effectively communicate with all parties involved with any given mortgage transaction – including members, real estate agents, builders and/or other third party partners.
Strong written and verbal communication skills
Ability to serve as a member advocate while maintaining the integrity of all RBFCU's policies and procedures
Ability to perform in a high volume and fast paced environment.
Ability to maintain a pipeline of within institution service level requirements
High School Diploma or GED
Minimum 3-5 years' previous experience
Minimum 3+ years' working as a FHA/VA loan officer or processor experience utilizing Fannie Mae Desktop Underwriter
Strong procifiency in Word, Excel, Outlook, PowerPoint, and Docusign
Must be able to pass the licensing requirements for the Nationwide Mortgage Licensing System and Registry and State of Texas Licensing
Ability to work Saturday shifts as necessary
Must be eligible for bondability
Fluent in Spanish
Encompass LOS experience
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
This position is located at the Austin Administrative Service Center (11911 Burnet Rd. Austin, TX 78758).
Mortgage Loan Officer
You have the drive, ambition and skills, and we want to give you the opportunity. Zions Bank is full of people just like you who share the same values and work ethic. Our diverse workforce offers endless opportunities to expand your skills and gain valuable experience that will help you advance your career. Let's talk about how we can help one another succeed.
Zions Bank is now accepting resumes for a Mortgage Lender in the Retail Mortgage Group.
Ideal candidates will have the skills and experience necessary to:
Solicit and generate mortgage business for the bank through previous contacts, relationships and referrals including real estate agents, builders, developers and branches.
Originate residential home loans. Remain informed of trends and developments in the local real estate market, and changing rules and regulations pertaining to mortgages.
Ensure compliance with regulatory guidelines in the performance of loan originator duties.
Interview potential applicants to gain information concerning their needs, desires and other goals, as well as obtain and review pertinent financial and credit data.
Assist customers with information about loan types and interest rate options, lock interest rates as requested by customers, preparing and sending initial disclosures to customers and submit information to automated underwriting software.
Ensure any re-disclosures are made timely.
Order appraisals through system, arrange for title search and obtain necessary documents when appropriate.
Communicate with customers throughout the process and work with processors through closing.
Develop and maintain internal relationships to drive cross-sell opportunities for other bank products.
May be asked to complete other duties.
Mortgage Loan Officer-North Shore
Rockland Trust is currently seeking talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships to serve as a source of referrals for new mortgage lending opportunities. Our Loan Officers are encouraged to participate in business related development opportunities, professional organizations, and community efforts to promote home ownership. Relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts.
Meet customers within the office, at Branch locations and in locations at the convenience of the customer.
Interview applicants and assess their lending needs.
Explain how mortgage/loan products work and how the product will benefit the applicant's needs.
Understand compliance issues including the timelines of mortgage loan processing.
Communicate effectively with customers, realtors, loan origination department and loan processing department.
Provide prompt and courteous service to all internal and external customers.
A thorough understanding of underwriting criteria and guidelines
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Working knowledge of standard loan products and underwriting guidelines
Ability to educate borrowers on loan products and process
Ability to quickly understand new information and its impact on current and future problem-solving and decision-making
Strong relationship building skills
Strong computer skills and experience utilizing laptop technology
Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS
Must be able to work flexible hours and be willing to travel
Rockland Trust will provide you with incomparable tools together with a well thought out and successful business plan designed to help you grow with the bank. These include:
Open territories within our corporate footprint and potential bank branch assignments.
State of the art origination, product search/pricing and database management software
A guarantee to close your loan within 30 days
Proprietary paperless LOA System allows Sales, Secondary and Operations on one web based system, connected to the CRM database
Point of Sale pricing authority granted to each Loan Originator.
Field access to both DU and LP decision tools.
Rockland Trust is dedicated to offering every program available and will continue to search and obtain any program that our Loan Officers need to succeed.
Offer a number of FTHB programs including the MassHousing, FHA, and the MHP "One Program".
Corporate Marketing and Public Relation Services to enhance all of your new business efforts including personalized custom email campaigns, direct mail, flyers, and a personal web page with automated Fannie Mae pre-approval capability.
Seller/Servicer with GSE's-competitive pricing, products and programs.
Rockland Trust Mortgage is committed to meeting the needs of customers purchasing a home by offering a 30 Day Closing Guarantee*. We also feature our Ready, Set, Close* a fully underwritten Pre-Approval program which provides the customer and our referral partners with the confidence that each loan will close presuming the appraised value is sufficient and clear title. We understand that relationships are built on trust and the ability to deliver on promises to your referral sources and customers. We are committed to the success of our Loan Officers and programs that differentiate you from the competition. At Rockland Trust Company "Where Each Relationship Matters" we strive to make every customer interaction a best in class experience. https://www.rocklandtrust.com/assets/files/hjKBYILM/2015/05/13/30daycloseguaranteetandc.pdf
BA/BS degree or equivalent experience in residential mortgage sales preferred
Three plus years of retail residential mortgage sales experience
Documented residential mortgage loan volume in the past 12 months
Established relationships with local referral networks including realtor associations and local housing agencies
Our goal is to offer our colleagues the most generous benefits package possible. We strive to provide colleagues with a comprehensive benefits package and an environment that supports a healthy work-life balance. Benefits include: A competitive commission plan, Health Insurance, Dental Insurance, a 401K and DC Plan for your retirement, LTD & Life Insurance, paid illness time, Day Care Reimbursement, Tuition Assistance for graduate and undergraduate programs, an Award Winning Wellness program and much more!
At Rockland Trust you'll find a respectful and inclusive environment where everyone is given the chance to succeed. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Mortgage Loan Originator-Charleston
The Mortgage Loan Originator position will originate permanent FHA/VA and conventional residential mortgage loans and participates in related business development activities.
Solicits residential first mortgages through contacts with realtors, builders, and developers.
Provides service to customers and prospective customers seeking residential mortgage loans.
Interviews applicants to develop information concerning their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk.
Obtains and analyzes pertinent financial and credit data.
Ensures the preparation and processing of forms and legal documents required for residential loans.
Negotiates terms and conditions of loan with mortgagors.
Keeps informed on trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages.
Relies on judgment and extensive experience to plan and accomplish goals.
Possess a good working knowledge of all regulatory requirements pertaining to the job function, including, but not limited to, BSA/AML, the U.S. Patriot Act, and privacy laws.
Satisfactory and timely completion of all required regulatory training.
Bachelor's degree with at least 2 years of mortgage lending experience.
Possess in-depth knowledge of mortgage lending, including the ability to evaluate cash flow and collateral.
Advanced financial analysis, strong credit underwriting, and analytical skills.
Ability to handle confidential and proprietary information.
Thorough understanding of loan laws and regulations.
Ability to succeed in a team environment as well as independently.
Excellent written and oral communication skills.
Excellent organization skills.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Mortgage Loan Officer (Gwinnett Mortgage Office)
The Fidelity Bank Promise: To be the Number One Community Bank with the Best Customer Service in Town. Fidelity Bank is a full service bank with over 60 bank branches throughout metro Atlanta and Florida, in addition to Wealth Management, SBA, Commercial, Indirect Automobile Financing, Construction Lending, and Mortgage Offices throughout the Southeast.
Join Fidelity Bank's dynamic Gwinnett Mortgage Team as a Mortgage Loan Officer to generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers.
Our Expectations for our Mortgage Loan Officers:
Maintain an active Fidelity Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements
Generate and close mortgage loans, develop referral sources with individual borrowers, Real Estate Brokers & Developers, Branches and other referral sources in an effort to proactively solicit business and generate leads for mortgage financing requirements to customers
Keep informed on all Fidelity Bank Mortgage Loan programs and adhere to all regulatory and compliance requirements
Counsel customers on all available products the customer is eligible for to ensure the product chosen best fits the customer's financial needs
Meet and exceed personal production goals set my Manager.
Disclaimer: This job summary should not be construed to imply that these requirements are the exclusive standards of the position. Employees will follow any other instructions and perform other related duties as may be required by their supervisor.
Mortgage Loan Officer
As an employee of Citizens Bank you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Bank is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.
Citizens Bank is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities.
External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations. You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
As a Mortgage Loan Officer your primary responsibilities include:
Go above and beyond for customers: Aspire to deliver world class customer service
Drive sales through service: Achieve sales and referral goals by developing a positive customer experience
Build book of business: Proactively seek ways to develop and expand customer relationships in order to contribute towards the branch success
Maximize personal productivity: Desire to maximize personal productivity through attention to detail, self motivation, and adaptability to achieve branch and personal goals
Grow your own capabilities: Actively participate in opportunities to expand knowledge, influencing and interpersonal skills
Mortgage Loan Originator
Must be available Monday
High School Diploma and commitment to continuing job related course work.
Two (2) years of loan originating with proven ability to support a pipeline of twenty loan applications per month.
Working knowledge of prequalification principles and practices OR two (2) years of processing experience.
Strong sales skills.
Basic computer knowledge including CALYX, Microsoft Word, Excel, and a general understanding of the Internet; basic math ability; basic Accounting/bookkeeping skills; ability to use a financial calculator.
Must be detail oriented; have the ability to prioritize; possess solid organizational and time management skills; and have solid problem solving and decision making skills.
Solid written and verbal communication skills are a must.
Must be able to work independently and handle multiple priorities under deadline pressures and time restraints.
Must strive for and consistently achieve customer satisfaction.
This full-time position is located at the Colorado Springs office for Mortgage Central, LLC.
Interviews applicants and requests appropriate credit documentation and specified information for loan application.
Analyzes applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
Compiles upfront compliance information and assures timeline requirements are met.
Answers applicant questions
Corresponds with applicant to resolve questions regarding application information.
Matches applicant's needs and qualifications with potential loan programs.
Ensures loan meets selected program guidelines.
Submits loan package to Processor for processing in a timely manner.
Works closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines.
Inform applicants of loan approval, denial or outstanding conditions.
Handles correspondence with applicant in regards to locking of loan and handles actual locking process in accordance with current company procedures and requirements.
Provides excellent customer service and solves customer related problems quickly.
Maintains and enhances market awareness including economic information, housing data and competitive trends; based on this information, helps develop programs or recommends product enhancement to address customer needs.
Maintains and enhances personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.
Establishes and maintains positive working relationships with Realtors, Business Partners and any other potential business sources. Supports and cultivates bank referrals and relationships.
Communicates with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image.
Perform other duties when assigned.
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