Mortgage Banker

SouthState Bank, N.A.; Seberang Perai; On-site; MYR 30,000 - 60,000; Full time

Job summary

Join a leading regional bank as a Mortgage Loan Officer, where you will play a vital role in providing financial solutions to individuals and families. This position emphasizes building meaningful relationships while adhering to regulatory guidelines and delivering exceptional customer service. You will engage with clients to determine their needs, advise on mortgage products, and maintain strong connections within the community. If you are passionate about helping others achieve their financial goals and thrive in a collaborative environment, this is the perfect opportunity for you.

Qualifications

• Expertise in mortgage products and regulatory guidelines.
• Excellent problem-solving and interpersonal skills.
• Strict compliance with bank policies and regulations.

Responsibilities

• Interview loan applicants and analyze financial information.
• Determine suitable bank products for customers' needs.
• Establish relationships with realtors and promote business.

Skills

Expertise in mortgage products

Problem-solving skills

Interpersonal skills

Customer service

Compliance with regulations

Job description

SouthState Bank - Mortgage Loan Officer

As a leading regional bank, SouthState has been providing financial solutions to individuals, families, and businesses in the Southeast for more than 100 years. Our team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to reflect the communities we serve, with core values that make SouthState a great place to bank and work.

Essential Functions:

This position involves the following duties, tasks, and responsibilities:

1. Interview loan applicants.
2. Collect and analyze information regarding customer income, assets, investments, or debts.
3. Determine the bank product that best fits the customer's needs.
4. Provide advice to customers on the advantages and disadvantages of different products.
5. Maintain knowledge of Fannie Mae/Freddie Mac guidelines and government products.
6. Make preliminary determinations of applicant creditworthiness and issue prequalification statements of borrower eligibility.
7. Establish relationships with realtors, builders, community development corporations, and other potential mortgage customers for loan referrals.
8. Handle loan request processing in accordance with bank policies, regulatory requirements, and secondary market criteria.
9. Adhere to quality customer service parameters and abide by written policies and procedures.
10. Participate in community events and real estate industry functions to develop and promote business.
11. Attend training on residential lending products, which may require travel.
12. Advise management on new market products to keep the bank competitive.
13. Promote and cross-sell other bank products.
14. Perform other work-related duties as assigned.

Qualifications and Skills:

• Expertise in mortgage products, services, and regulatory guidelines.
• Excellent problem-solving skills to identify client needs and resolve issues.
• High interpersonal skills for effective communication and positive representation of the bank.
• Ability to respond promptly and professionally to customer inquiries.
• Capable of handling contact situations tactfully.
• Strict compliance with bank policies, conduct codes, and regulations.
• Ability to assist colleagues through positive interactions.
• Participation in marketing efforts and ongoing professional training.
• Willingness to seek cross-training opportunities.
• Perform other duties as directed by management.