Loan Officer Originator

First Mutual Bank; Parkersburg (WV); On-site; USD 60,000 - 90,000; Full time

Job summary

First Mutual Bank is seeking a Loan Officer to originate mortgage loan, HELOC and consumer applications in Parkersburg, WV. The role requires evaluating borrower creditworthiness, advising clients on loan programs, and ensuring compliance with lending laws and bank policies.

Ideal candidates will have 3–5 years of loan officer experience, an NMLS certification, and strong MS Office and lending software skills. Travel to branches may be required; hours typically align with banking operations.

Qualifications

• Experience in mortgage lending is required.
• Experience with lending laws, regulations, and guidelines are required.
• Experience in customer service is required.
• Experience in financial services or banking is preferred.
• Proficiency in MS Office (Outlook, Excel, Word) or similar software is required; Encompass, Cleartouch, OnBase, and investor portals are preferred.

Responsibilities

• Assist borrowers in selecting loan programs that best fit their financial goals and needs
• Evaluate creditworthiness and risks
• Determine and evaluate the financial status of borrowers
• Know, understand and comply with current fair lending laws and bank policies and procedures.
• Maintain and build relationships through networking and prospecting with bankers, realtors, builders, and your community to attract new business
• Complete required annual training for compliance and banking regulations.
• Identify depository and other cross-selling opportunities for the customer.
• Actively participate and support Community Activities
• Other duties as required.

Skills

Interpersonal skills

Job knowledge

Judgement

Leadership

Planning and organization

Highly detail oriented

Independent and team work

Education

High School Diploma

Bachelor’s degree preferred

NMLS certification

Tools

MS Office

Outlook

Excel

Word

Encompass

Cleartouch

OnBase

CRM software

Job description

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

Requirements

Duties and Responsibilities:

• Assist borrowers in selecting loan programs that best fit their financial goals and needs
• Evaluate creditworthiness and risks
• Determine and evaluate the financial status of borrowers
• Know, understand and comply with current fair lending laws and bank policies and procedures.
• Maintain and build relationships through networking and prospecting with bankers, realtors, builders, and your community to attract new business
• Complete required annual training for compliance and banking regulations.
• Identify depository and other cross-selling opportunities for the customer.
• Actively participate and support Community Activities
• Other duties as required.

Necessary competencies:

• Interpersonal skills
• Job knowledge
• Judgement
• Leadership
• Planning and organization
• Highly detail Oriented
• Ability to work independently and as part of a team

Technical Expertise

• Experience in mortgage lending is required.
• Experience with lending laws, regulations, and guidelines are required.
• Experience in customer service is required.
• Experience in financial services or banking is preferred.
• 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

• Education: High School Diploma is required Bachelor’s degree is preferred
• Certification: NMLS is required.
• Years of experience: 3 to 5 years as a Loan Officer 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.
• Some travel required to other branches.
• Hours are typically 8-4:30, M-F; This position is from time to time performed outside of an office setting and hours of work are not always structured. To be determined between the Loan Officer and the VP Lending Operations Officer