Mortgage Loan Officer

SmartBank; Murfreesboro (TN); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401(k) match

Paid PTO

SmartFlex Days

11 holidays

Community involvement

Company apparel

Tuition reimbursement

Job summary

SmartBank is seeking a Residential Lender to build mortgage business across our Tennessee markets. You’ll work in communities to raise brand awareness, solicit first mortgage loans, explain underwriting guidelines, and guide applicants from application to closing.

The role requires NMLS registration, a bachelor’s degree in business or finance, and 2–4 years in originating secondary market mortgages, preferably in a bank setting. Travel within territory is expected.

Qualifications

• Bachelor's degree in business, finance or related field preferred.
• Two to four years of experience in originating secondary market mortgages, preferably in a bank environment.
• NMLS registration required; periodic training in mortgage products, services, regulations and compliance.

Responsibilities

• Actively participates in mortgage department meetings and geographic market meetings.
• Works in the community to create brand awareness through outside sales.
• Attend events throughout the markets they support to increase brand awareness.
• Solicits first mortgage loans.
• Informs prospective loan clients of underwriting guidelines and applicable secondary market guidelines.
• Accepts online applications and interviews loan applicants by phone or in-person.
• Completes each loan application and all pre-processing functions in a timely manner to permit disclosures within three business days.
• Works with loan processor in gathering requested documents and signatures for loan files.
• Orders credit reports and analyzes the credit history of applicants to determine repayment capabilities.
• Completes underwriting documentation for each loan file.
• Submits loan to AUS for initial approval.
• Maintains file management, documentation and loan administration practices.
• Attends loan closings at various locations in the community served.
• Markets SmartBank’s mortgage products to realtors, builders, CPAs, financial planners, title companies, etc.
• Completes weekly sales call reports and pipeline reports promptly.
• Handles mortgage loan inquiries (cold calls) from advertising sources and referrals; visits potential clients.
• Cross-sells all other bank products when warranted and appropriate.
• Complies with applicable laws and regulations including BSA.
• Performs other duties as assigned.

Skills

Underwriting knowledge

Communication skills

Detail oriented

Multi-tasking

Travel willingness

MS Office

Education

Bachelor's degree in business/finance

Tools

Microsoft Windows

Job description

Benefits

• Medical, dental, vision, life, and disability insurance
• 401(k) plan with a 4% employer match
• Generous paid time off (PTO), SmartFlex Days, and 11 paid company holidays
• Paid community involvement
• Company apparel
• Tuition reimbursement

Role Overview

Your Role as a Residential Lender Upholds SmartBank Core Values and Core Purpose. Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.

Responsibilities

• Actively participates in mortgage department meetings and geographic market meetings.
• Works in the community to create brand awareness through outside sales.
• Attend events throughout the markets they support to increase brand awareness.
• Solicits first mortgage loans.
• Informs prospective loan clients of the financial institution’s underwriting guidelines and applicable secondary market guidelines.
• Accepts online applications and interviews loan applicants by phone or in-person.
• Completes each loan application and all pre-processing functions in a timely manner to permit the disclosures to be sent out within the required three‑business day period.
• Works with loan processor in gathering requested documents and necessary signatures for loan files.
• Orders credit reports and analyzes the credit history of applicants to determine their loan repayment capabilities.
• Completes appropriate underwriting documentation for each loan file.
• Submits loan to AUS for initial approval.
• Ensures maintenance of consistent file management, documentation and loan administration practices.
• Attends loan closings at various locations in the community they serve.
• Actively markets SmartBank’s mortgage products and services to realtors, builders, CPA’s, financial planners, title companies, etc. to solicit mortgage business.
• Completes weekly sales call reports and pipeline reports in a timely manner.
• Handles mortgage loan inquiries (cold calls) generated from advertising sources, customer referrals, etc. for assigned territory by visiting potential clients in the field.
• Cross‑sells all other bank products when warranted and appropriate.
• Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
• Performs other duties as assigned.

Position Requirements and Qualifications

• Education: Bachelor’s degree in business, finance or related field preferred.
• Two to four years of experience in originating secondary market mortgages, preferably in a bank environment.
• Training Requirements (licenses, programs, or certificates): NMLS registration required; participates in periodic training in mortgage products, services, regulations and compliance.
• Knowledge, Skills, and Abilities:
• Underwriting knowledge.
• Excellent communication skills (written, verbal, listening).
• Detail‑oriented and well‑organized.
• Ability to handle multiple priorities and produce results.
• Ability to handle frequent changes.
• Ability to maintain confidentiality and adhere to the institution’s privacy policies.
• High level of integrity.
• Willingness to travel throughout their assigned territory to meet clients, solicit new business and attend community events in an outside sales capacity creating brand awareness.
• Work with little to no guidance but willing to independently meet goals and objectives as defined by supervisor.
• Self‑motivated/takes initiative.
• Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing proficient.
• Demonstrates ability to maintain a positive attitude.
• Able to maintain regular and predictable attendance.
• Willing to accept new ideas and methods and be agreeable to change.

Work Conditions

• Able to routinely stand, sit, bend and stoop.
• Frequently and regularly required movements using wrists, hands, and/or fingers.
• Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
• Ability to hear average or normal conversations and receive ordinary information.
• May be required to travel to training sessions or meetings.