Loan Officer Originator

First Mutual Bank; Parkersburg (WV); Híbrido; USD 55.000 - 90.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Hybrid work arrangement

Remote day option (1 day/week)

Descripción de la vacante

First Mutual Bank in Parkersburg, WV is seeking a Loan Officer to originate mortgage, HELOC, and consumer loan applications. You will engage with customers and realtors, process inquiries, and ensure compliance with lending laws.

The role is hybrid, with a 1-day remote option and typical hours from 8:00 am to 4:30 pm. Requirements include 3–5 years of loan officer experience, NMLS certification, and a background in banking or financial services.

Formación

• Mortgage lending experience required.
• Experience with lending laws/regulations required.
• Customer service experience required.
• Financial services/banking experience preferred.
• Proficiency in MS Office (Outlook, Excel, Word) required; CRM and investor software portals preferred.

Responsabilidades

• Originates loans by talking with customers and realtors; conducts sales at various locations.
• Responds to inquiries regarding loan products and applications.
• Keeps up-to-date on lending regulations and bank policies; participates in compliance training.
• Complies with fair lending laws and bank policies at all times.
• Makes underwriting decisions within lending authority; escalates for higher-level decisions per policy.
• Manage service providers and vendor relationships; set expectations and measure performance.
• Other duties as required.

Conocimientos

Mortgage lending

Sales

Customer service

Compliance knowledge

MS Office

CRM software

Educación

High School Diploma (required)

Bachelor’s degree in Marketing or Communications (preferred)

NMLS certification (required)

Herramientas

Encompass

Cleartouch

OnBase

government/investor portals

CRM software

Descripción del empleo

Description

The Loan Officer is responsible for originating mortgage loan, HELOC and consumer applications.

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Requirements

Duties and Responsibilities:

1. Originates loans by talking with customers and by contacting realtors, builders, etc.; engages in sales efforts at the customer’s home or place of business and away from the bank’s place of business or any office maintained for loan production business purposes.
2. Responds to customer/contact inquiries regarding the association’s loan products and customer’s applications.
3. Keeps up-to-date on government regulations and the association’s policies and procedures regarding lending; participates in compliance training and banking regulations for industry.
4. Knows, understands and complies with current fair lending laws and bank policies and procedures; addresses same at all times.
5. Makes an underwriting decision on each loan within their lending authority; for those above that level or for exceptions to lending policies the file referred to the VP Lending Operations Officer and/or President CEO to make the decision as outlined in policy and procedure.
6. Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner, sets expectations; develops performance metrics; measures vendor performance, provides feedback and hold accountable.
7. Other duties as required.

Necessary competencies:

1. Adaptability
2. Communication skills
3. Customer service
4. Interpersonal skills
5. Job knowledge
6. Judgment
7. Leadership
8. Planning and organization
9. Staff development

Technical Expertise

1. Experience in mortgage lending is required.
2. Experience with lending laws, regulations, and guidelines are required.
3. Experience in customer service is required.
4. Experience in financial services or banking is preferred.
5. Proficiency in MS Office [Outlook, Excel, Word] or similar software is required. Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred. CRM software is preferred.

Education and Experience

1. Education: High School Diploma is required Bachelor’s degree in Marketing or Communications is preferred
2. Certification: NMLS is required.
3. Years of experience: 3 to 5 years as a Loan Officer [Originator] is required.

Physical Environment

• While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.
• The employee must occasionally lift and/or move up to 25 pounds.
• The noise level in the work environment is usually quiet to moderate.
• This position is performed in a hybrid office setting, five days a week, with a 1-day-a-week remote work option, with typical work hours being 8:00 am through 4:30pm.