Mortgage Loan Officer: Growth & Community Impact

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

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.