Mortgage Loan Officer

TowneBank; Rohrerstown (PA); On-site; USD 55,000 - 90,000; Full time

Job summary

TowneBank is seeking an experienced Loan Officer in Rohrerstown, PA, to assist applicants with pre-qualifications, pre-approvals, and loan applications. You will work with customers and referral partners, quote rates, and manage loan pipelines while complying with regulatory requirements.

You will mentor junior officers, participate in Real Estate Office meetings, and engage in community outreach to develop new business opportunities.

Qualifications

• Must have a valid NMLS #
• Minimum 2-years' experience originating
• Self-motivated with ability to build referral partnerships
• Deliver exceptional customer service
• Proven sales record based on closed loan production
• Have sources of referral business for purchase transactions

Responsibilities

• Provide service to applicants and prospective customers seeking home loans.
• Complete applications and gather supporting documentation.
• Review disclosures and communicate status to customers and parties.
• Quote rates and secure pricing through Secondary Marketing.
• Input data into LOS and use AUS for credit recommendations.
• Mentor other Loan Officers and participate in office meetings and outreach.

Skills

NMLS #

Loan origination

Referrals & networking

Customer service

Regulatory compliance

Communication skills

Education

High School Diploma or equivalent

Tools

Encompass

Microsoft Office

Job description

Essential Functions:

• 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.
• 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 his/her pipeline of loans to verify accuracy of the current loan status.
• Knows and abides by HomeSale 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 HomeSale Mortgage association events.
• Must actively participate 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.
• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).

Minimum Required Skills and Competencies:

• Must have a valid NMLS #
• Minimum 2-years' experience originating
• Self-motivated professional with a proven ability to quickly establish and maintain strong referral partner relationships
• Demonstrated commitment to delivering exceptional customer service
• Proven sales record based on closed loan production
• Currently possess sources of referral business for purchase transactions
• High School Diploma or equivalent
• Awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines.

Desired Skills and Competencies:

• Working knowledge of Microsoft Office products.
• Working knowledge of Encompass software.
• #mortgage
• #hsm

Licenses & Certifications

NMLS Registered (preferred)

Qualifications

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights notice from the Department of Labor.