Mortgage Loan Originator - Grow Referrals & Portfolio

Central Bancompany; Osage Beach (MO); On-site; USD 55,000 - 85,000; Full time

Job summary

Central Bank of Lake of the Ozarks seeks a Mortgage Loan Officer to solicit, develop and manage credit relations for residential real estate loans, building strong ties with realtors, builders and developers.

You will interview applicants, analyze financials, determine terms, and operate within lending guidelines to balance profitability and risk. The role requires excellent communication, teamwork and travel to client sites as needed.

Qualifications

• Bachelor's degree or equivalent combination of education, training and experience.
• Two years of prior mortgage lending origination experience preferred or minimum two years of extensive sales.
• Knowledge of current bank lending procedures and policies (state and federal), lending regulations, lien laws, collection/bankruptcy regulations, and loan documentation.
• Ability to analyze financial statements and loan risk.
• Excellent verbal, listening and communication skills; strong customer relations.

Responsibilities

• Solicits, develops and manages credit relations with individuals seeking residential real estate loans.
• Actively develops residential mortgage referrals by building relationships with realtors, builders and developers.
• Interview loan applicants to determine needs, abilities and earnings to assess risk and loan viability.
• Evaluate financial condition, collateral value, and recommend loan terms within lending guidelines.
• Meet loan objectives including origination, portfolio management, delinquency, and profitability.
• Maintain compliance with Bank Secrecy Act, CRA, Fair Lending and related laws.

Skills

Financial analysis

Communication skills

Customer relations

Decision making

Team collaboration

Driver's license

Education

Bachelor's degree or equivalent

Job description

Central Bank of Lake of the Ozarks seeks a Mortgage Loan Officer to solicit, develop and manage credit relations for residential real estate loans, building strong ties with realtors, builders and developers.

You will interview applicants, analyze financials, determine terms, and operate within lending guidelines to balance profitability and risk. The role requires excellent communication, teamwork and travel to client sites as needed.