Mortgage Loan Officer

Gate City Bank; Fargo (ND); On-site; USD 65,000 - 95,000; Full time

Job summary

Gate City Bank in Fargo Woodhaven is seeking a Mortgage Loan Officer to prospect, establish relationships with customers and referral partners, and provide mortgage lending product expertise to meet lending goals.

You will interview borrowers, analyze finances, educate on loan options, prepare applications, and maintain compliance while collaborating with real estate brokers and builders to grow mortgage production. On-site schedule is 8-5, Monday–Friday.

Qualifications

• Bachelor’s degree preferred; 3-5 years related (sales) experience.
• Strong oral and written communication skills.

Responsibilities

• Solicit and sell 1-4 family loans through self-motivated marketing efforts.
• Interview customers to obtain financial histories.
• Analyze financial information to meet customer needs and educate borrowers on loan options.
• Prepare residential loan applications completely, accurately, and in compliance with Federal guidelines.
• Assist loan origination staff with the process of loans.
• Meet personal production goals and support bank production goals.
• Build and maintain relationships with real estate brokers, local builders, and contractors.

Skills

Sales experience

Oral and written communication

Education

Bachelor’s degree

Job description

Location

Fargo Woodhaven

Job Description

Job Location: Fargo Woodhaven Job Location Type: On-Site Schedule: 8-5 M-F The Mortgage Loan Officer prospects, establishes and maintains relationships with customers, all referral partners including realtors, vendors, and contractors by providing mortgage lending product and service expertise to meet and exceed established lending goals and staying within established lending limits, ensuring loan quality, and growth for the Bank.

ESSENTIAL FUNCTIONS

• Solicit and sell 1 - 4 family loans through self-motivated marketing efforts that may include participation in sales calls, home-buyer seminars, Realtor and Homebuilders Association functions, Parade of Homes, Home Shows.
• An active, involved member of the community that attends community activities.
• Interview customers to obtain financial histories including income, assets, investments and debts.
• Analyze the customer’s financial information to meet the customer’s needs by: Educating the borrower on the advantages and disadvantages of mortgage loan products.
• Use every customer contact as an opportunity to advise customer about additional services or programs that may benefit them.
• Always asking the customer for his/her business.
• Prepare residential loan applications completely, accurately, and in compliance with Federal guidelines and Gate City Bank’s policies and procedures.
• Assist loan origination staff with the process of loans.
• Act with a sense of urgency in responding to required documentation.
• Meet established personal production goals and assists in the achievement of all the Bank’s annual production goals.
• Prospect, build, and maintain relationships with real estate brokers, local builders and contractors, and other sources for a continued source of production.
• Demonstrate knowledge of all current policies, procedures, and compliance pertaining to mortgage loans, including CRA.

Other Duties

• Deliver a consistently exceptional service experience for both team members and customers.
• Build and maintain effective working relationships with team members, leaders, customers, and external partners.
• Demonstrate reliability and accountability in attendance to support operational needs and service expectations.
• Comply with all Gate City Bank policies, procedures, and all applicable laws and regulations.
• Maintain a high level of attention to detail and accuracy in all responsibilities.
• Exercise sound judgment and make timely decisions in a fast-paced environment.
• Utilize approved AI-enabled tools and technologies to enhance productivity, support problem-solving and decision-making, and drive efficiencies while exercising sound judgment and adhering to company policies, privacy standards, and responsible use expectations.

Education and Experience

Bachelor’s degree (B.A.) from a four-year college or university preferred; 3-5 years related (sales) experience; or equivalent combination of education and experience.

Other Skills

Strong oral and written communication skills. Interpret and use data for decision making.

EOE/including Disability/Vets Member FDIC Gate City Bank is growing and creating more employment opportunities to meet our customer's needs For a Better Way of Life. At Gate City Bank, we are committed to making the lives of our team members better by investing in them with competitive compensation and a comprehensive benefit package. We take pride in providing a fun, fast paced, high energy, and collaborative work environment and have been named by Prairie Business Magazine as one of the 50 Best Places to Work in the region for twelve years in a row.