Loan Officer

Cross County Savings Bank; New York (NY); On-site; USD 110,000 - 120,000; Full time

Job summary

A leading bank in New York is seeking a Loan Officer to manage residential and commercial mortgage loan processing. The role includes evaluating loan applications, underwriting, and maintaining relationships with brokers. This position offers competitive remuneration and is perfect for those with strong knowledge of the mortgage industry.

Qualifications

• Must have an undergraduate degree or equivalent.
• Knowledge and experience with loan underwriting is preferred.
• Candidate must qualify for loan approval limits within one year.

Responsibilities

• Responsible for all aspects of mortgage loan processing and underwriting.
• Evaluate financial status and property appraisals to approve loans.
• Maintain contacts with real estate and loan brokers.

Skills

Knowledge of mortgage industry

Sales experience

Microsoft Office skills

Education

Undergraduate Degree or equivalent

Tools

Encompass/Ice Mortgage

Job description

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Position Summary

The Loan Officer is responsible for all aspects of Residential and Commercial Mortgage Loan Processing and Underwriting.

• Handle telephone inquiries regarding mortgage rates and mortgage products.
• Interview loan applicants, review information and documentation.
• Assist loan applicants in completing mortgage loan applications.
• Review Truth-In-Lending Disclosures of all loans for accuracy.
• Evaluate applicants’ financial status, credit history, and property appraisals to assess their eligibility and determine the feasibility of approving loans.
• Underwrite residential, multi-family, mixed-use and commercial loan applications.
• Approve loans as authorized and issue mortgage commitments.
• Prepare preliminary attorney files for closing.
• Prepare loan files for final closing.
• Review and evaluate residential, multi-family, mixed-use and commercial appraisals.
• Maintains contacts with various real estate and loan brokers in all market areas to ensure a continuing demand for loan applications.
• Applicant must qualify to receive loan approval limits within one year of the employment start date as a condition of continued employment.
  
  
• Undergraduate Degree or equivalent required
  
  

Position Summary

The Loan Officer is responsible for all aspects of Residential and Commercial Mortgage Loan Processing and Underwriting.

• Handle telephone inquiries regarding mortgage rates and mortgage products.
• Interview loan applicants, review information and documentation.
• Assist loan applicants in completing mortgage loan applications.
• Review Truth-In-Lending Disclosures of all loans for accuracy.
• Evaluate applicants’ financial status, credit history, and property appraisals to assess their eligibility and determine the feasibility of approving loans.
• Underwrite residential, multi-family, mixed-use and commercial loan applications.
• Approve loans as authorized and issue mortgage commitments.
• Prepare preliminary attorney files for closing.
• Prepare loan files for final closing.
• Review and evaluate residential, multi-family, mixed-use and commercial appraisals.
• Maintains contacts with various real estate and loan brokers in all market areas to ensure a continuing demand for loan applications.
• Applicant must qualify to receive loan approval limits within one year of the employment start date as a condition of continued employment.
  
  

Education Level

• Undergraduate Degree or equivalent required
  
  

Knowledge And Experience

• Knowledge and experience with the mortgage industry and/or loan underwriting or equivalent experience.
• Prior sales experience.
• Microsoft Office computer skills required (Encompass/Ice Mortgage a plus).
• NMLS number required to perform job duties but not required to obtain employment. Cross County Savings Bank is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, sexual orientation, gender identity, disabilities, or protected veteran status.

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Banking

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