Mortgage Loan Officer

TowneBank Mortgage; Huntsville (AL); On-site; USD 20,000 - 100,000; Full time

Job summary

TowneBank Mortgage is seeking a Mortgage Loan Officer in Huntsville, AL. This role involves originating mortgage loans and providing exceptional service to clients, backed by cutting-edge technology and a supportive team. Candidates must have at least 1 year of experience and a strong sales record.

Benefits

Medical insurance

Vision insurance

401(k)

Paid maternity leave

Paid paternity leave

Qualifications

• 1+ year experience originating VA, FHA, Conventional, and VHDA loans.
• Proven sales record based on closed loan production.
• Awareness of FNMA/FHLMC, FHA, VA, and VHDA underwriting guidelines.

Responsibilities

• Responsible for originating mortgage loans in compliance with policies.
• Provides service to applicants including interviewing, pre-qualification.
• Maintains and generates new sources of referral business.

Skills

Interpersonal skills

Integrity

Self-motivated

Education

High School Diploma or equivalent

Tools

Mortgage Builder origination software

Microsoft Office

Job description

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Serving Others. Enriching Lives.

At TowneBank Mortgage, we believe in building stronger communities through homeownership—one client at a time. As a Mortgage Loan Officer, you’ll be backed by a trusted local brand, cutting-edge technology, and a dedicated support team to help you grow your business. We offer a relationship-driven culture where your success is our priority. If you’re passionate about helping others and ready to elevate your career, we’d love to talk.

Join us at TowneBank Mortgage!

About Us

Inspired by our hometown roots, TowneBank Mortgage is committed to providing our borrowers with a personalized mortgage experience. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. TowneBank Mortgage provides the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.

This position is primarily responsible for originating Mortgage loans in compliance with company and regulatory policy.

• Provides service to applicants and prospective customers seeking home loan, including interviewing, pre-qualification and pre-approval.
• Completes application and gathers supporting documentation.
• Reviews and completes regulatory disclosures with customer.
• Maintains existing and generates new sources of referral business.
• Quotes interest rates and secures pricing through the Secondary Marketing Department on behalf of the Customer.
• Collects required application fees.
• Inputs application data into Loan Origination Software (LOS).
• Utilizes automated underwriting systems (AUS) to obtain credit recommendations.
• Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties.
• Communicates with all parties in a professional and courteous manner.
• Manages your pipeline of loans to verify accuracy of the current loan status.
• Acknowledges and abides by TowneBank Mortgage Policies and Procedures.
• Mentors other Loan Officers.
• Relays to Senior Management any industry changes or trends that may be of interest to them.
• Participates in TowneBank, TowneBank Mortgage, and area association events.
• If in one of our joint ventures, actively participates in all aspects of the Real Estate Office sales meetings and office functions.
• Prepares Mortgage Minutes for presentation at each sales meeting.
• Provides on-going training for the real estate agents (lunch and learns).
• Works closely with the Broker/Sales Manager
• Attends Loan Officer Meetings.
• Represents the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
• Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
• Other duties as assigned.

Skills & Experience You’ll Need

We seek a candidate with an active NMLS#. We also seek the following:

• Has at least 1-year experience originating VA, FHA, Conventional and VHDA loans
• Has a proven sales record based on closed loan production
• Currently possess sources of referral business for purchase transactions
• Has a High School Diploma or equivalent
• Has an awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines
• High degree of personal integrity
• Self-motivated
• Strong interpersonal skills

Bonus Points If You Have

• Working knowledge of Microsoft Office products
• Working knowledge of Mortgage Builder origination software

What We Offer

When you join our team, take pride in knowing that your work positively impacts others. We offer a space where self-starters, problem solvers and entrepreneurial spirits excel.

• Resources needed to succeed
• Advanced technology
• Excellence in operations

Physical Requirements

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities.

#mortgage

#tbm

Seniority level

• Seniority level

  Associate

Employment type

• Employment type

  Full-time

Job function

• Job function

  Sales and Finance

Referrals increase your chances of interviewing at TowneBank Mortgage by 2x

Inferred from the description for this job

Medical insurance

Vision insurance

401(k)

Paid maternity leave

Paid paternity leave

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