Mortgage Loan Officer

Ctbconnect; Birmingham (AL); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

401(k) Retirement Plan

Tuition Reimbursement

Job summary

Citizens Trust Bank in Birmingham, AL is seeking a Mortgage Loan Officer to originate residential loans and expand lending opportunities. You will educate clients on underwriting guidelines and manage the loan process to ensure timely underwriting and closing.

The role requires building strong client relationships, presenting banking solutions, and representing CTB at community events to grow mortgage business. A comprehensive regulatory understanding and customer-focused approach are essential.

Qualifications

• Bachelor’s degree in finance, accounting, economics, marketing, business administration, or related field.
• Minimum three years of residential mortgage loan origination; NMLS certification required.
• Excellent customer service and ability to build relationships; knowledge of mortgage laws and regulations.
• Proficient in Microsoft Office and Encompass Mortgage software.

Responsibilities

• Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions
• Represents the bank at community functions, events, and activities to develop new lending business opportunities
• Screens mortgage loan requests; educates prospective clients about underwriting guidelines and applicable government regulations
• Obtains required information and documents from prospective loan clients and analyzes financial and credit data
• Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system; submits loan files for processing and underwriting
• Delivers exceptional customer services and oversees the loan application process; communicates with customers
• Maintains relationships with internal/external customers and real estate professionals to enhance marketing efforts
• Hosts homebuyers seminars and stays abreast of mortgage industry trends and bank policies
• Demonstrates professional appearance and represents the CTB Brand
• Keeps up with regulations and bank procedures
• Performs other duties as assigned

Skills

Mortgage loans knowledge

Customer service

Communication skills

Negotiation skills

Time management

Education

Bachelor's degree in finance or related field

Tools

Encompass Mortgage

Microsoft Office

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Mortgage Loan Officer

Regular Full-Time Birmingham, AL, US

30+ days ago Requisition ID: 1078

Mortgage Loan Officer - Birmingham, Alabama

Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers.

We are committed to our institution’s values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success.

By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth.

POSITION SUMMARY:

Responsibilities include but are not limited to the following:

• Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions
• Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank
• Screens mortgage loan requests; educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations
• Obtains required information and documents from prospective loan clients and analyzes financial and credit data
• Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner
• Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers
• Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank
• Hosts and conducts homebuyers related seminars and educational sessions
• Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank’s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations
• Demonstrates consistent professional appearance, image, ethics, integrity, and represents the CTB Brand
• Attends and participants in various business meetings; schedules and confirms appointments; follow-up on business referrals
• Composes and distributes various correspondence and reports; assists with the development of marketing material and resources
• Adheres to all policies, procedures, guidelines, expectations, laws and regulations
• Exceeds all established positions’ goals, objectives, and expectations
• Supports the Bank’s vision, core values, business principles, goals, and objectives
• Performs other duties and responsibilities as assigned

QUALIFICATIONS, SKILLS, AND ABILITIES:

• Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment
• Bachelor’s degree in finance, accounting, economics, marketing, business administration, or related field
• Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required
• Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures
• Excellent quality customer service skills and ability to establish relationships in a manner that enhances the overall marketing efforts of the Bank
• Must be able to maintain positive composure and consistently demonstrate professional appearance, image, and represents the CTB Brand
• Ability to prepare mortgage files for underwriting within established guidelines
• Excellent telephone etiquette and respectful of others
• Proficient in Microsoft Office (Word, Excel, Outlook, Internet, and working knowledge of Encompass Mortgage software systems)
• Assertive and demonstrates initiative with the ability to comprehend and follow directions and instructions
• Ability to produce accurate and organized work with minimum supervision
• Genuine interest in serving and caring for others
• Excellent organizational, listening, and interpersonal skills are required
• Ability to handle and maintain confidential matters and information
• Up to date understanding of industry trends and developments
• Must be a self-starter who is self-motivated with the ability to produce results, meet all established goals, objectives, and expectations, and ability to comply with all bank policies, procedures, regulations, and laws
• Excellent analytical and problem resolution and negotiation skills
• Ambitious with a strong work ethic, positive behavior, ability to work both independently and as a part of a team, results focused, and detailed-oriented with excellent time management and planning skills
• Excellent communication skills with ability to communicate clearly, concisely, tactfully, and effectively
• Ability to maintain a proactive approach to assignments and multi-task oriented
• Flexible, resourceful, and energetic with excellent research and presentation skills
• Exceptional creativity with ability to manage multiple tasks and prioritizes work to meet deadlines
• A competitive winning spirit that understands the team concept
• Ability to work through situations and find win-win solutions
• Ability to establish and maintain effective working relationships with co-workers, customers, and representatives of other departments
• Ability to work in a fast paced, high volume environment, and must be adaptable to change

Citizens Trust Bank offers competitive compensation and a comprehensive employee benefits package for our employees. Our benefits package includes the following:

• Medical, Dental, Vision and Prescription Coverage
• 401(k) Retirement Plan
• Employee Stock Purchase Plan
• Life Insurance and Flexible Spending Account
• Paid Time Off, Vacation and Holiday Pay
• Tuition Reimbursement
• Employer Assisted Housing Program
• Fitness & Wellness Program and Sam's Membership
• Employee Assistant Referral Services (EAP)
• Group Cancer & Accident Insurance Programs
• Worker's Compensation Program
• Incentive, Awards and Recognition Programs
• Training and Development Programs and much more!