Loan Officer

Cornerstone Capital Bank; Lubbock (TX); On-site; USD 55,000 - 90,000; Full time

Job summary

Cornerstone Capital Bank seeks an experienced Licensed Loan Officer to join our team of mortgage professionals in Texas. You will promote and sell our loan products, manage client relationships, and ensure accurate, timely closings while upholding regulatory compliance.

You’ll interview borrowers, analyze credit data, negotiate terms, and stay current on market conditions. A license within 60 days and strong communication are required; a bachelor’s degree is preferred.

Qualifications

• Minimum 2 years of mortgage industry experience or Bachelor’s degree preferred.
• Must be licensed (or able to gain license within 60 days) by the applicable regulator in each state of licensure.
• Excellent communication skills required.
• Strong organizational, problem-solving, and analytical skills required.

Responsibilities

• Provide excellent customer service to clients.
• Manage client relationships and identify service and sales needs.
• Respond to inquiries from referrals generated by contacts.
• Conduct borrower interviews to analyze financial and credit data.
• Market, promote, and sell loan products.
• Negotiate rates and terms.
• Define and manage loan process expectations.
• Monitor workflow to ensure timely closing.
• Maintain current product knowledge and market conditions.
• Comply with laws and regulations governing residential mortgage lending.

Skills

Excellent communication

Organizational skills

Problem solving

Attention to detail

Education

Bachelor’s degree or equivalent preferred

Job description

We are looking for an experienced Licensed Loan Officer, who will bring enthusiasm, attention to detail, and a servant heart to our team of top-tier mortgage professionals. This professional will work in a tight-knit, goal-oriented team where our Customers and Referral Partners can rely on them to ensure an accurate and timely closing process. The Licensed Loan Officer’s primary function is the promotion and sale of Company loan products and services to potential customers.

What you’ll do:

• Provide excellent customer service
• Manage client relationships and identify client service and sales needs
• Respond to customer inquiries and referrals that are generated from your contacts
• Conduct interviews with prospective borrowers in order to analyze financial and credit data
• Marketing, promoting, and selling Company’s loan products
• Negotiate rates and terms
• Define and manage customer loan process expectations
• Monitor and manage workflow to ensure timely closing
• Maintain product knowledge and stay up to date on changes to market conditions
• Comply with all applicable laws and regulations released to residential mortgage lending

Success in this job relies on your time management skills, organization, and positive attitude. In addition, you’ll need the following qualifications:

What you’ll need to be successful:

• Minimum 2 years of experience in the mortgage industry with a clear understanding of residential mortgage loan process from application through fulfillment -or- Bachelor’s degree or equivalent preferred
• Must be appropriately licensed (or be able to gain license within 60 days of start date) by the applicable regulator in each state in which he/she does licensee activities
• Excellent communication skills required
• Strong organizational, problem-solving, and analytical skills required

What we offer:

Because we recognize and reward hard work, we offer a competitive salary, full benefits package, and a potential for a performance-based bonus dependent upon position/department.

What to do next:

If Cornerstone sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you're part of our Cornerstone family, we'll continue to invest in you as a valuable asset in our company. As many of our team members can tell you, there's something special about working at Cornerstone.

Equal Opportunity Employer
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