Mortgage Pro: Build Relationships & Close Home Loans

Ephrata National Bank; Elkton (KY); On-site; USD 45,000 - 61,000; Full time

Benefits offered by this job

Comprehensive benefits

401(k) with company match

Paid time off

Job summary

Ephrata National Bank is seeking a Mortgage Expert to proactively solicit new residential mortgage business and sell ENB mortgage products to meet production goals. You will develop a network of referrals and provide loan guidance through the full process from application to close.

The role emphasizes compliant, customer-focused service, leveraging ENB programs and regulatory requirements to deliver accurate disclosures and timely processing.

Qualifications

• High School diploma or its equivalency.
• One to five years of mortgage or banking industry experience.
• Experience originating loans for underwriting to agency (FNMA and FHLMC) and ENB Residential Loan Policy guidelines.
• Capable of performing required services pertaining to the origination of residential mortgage loans with limited supervision.
• Knowledge of banking principles, documentation, services and operations.
• Knowledge of bank mortgage products and services; knowledge of various loan application policies and procedures, as well as the documentation required by the regulatory agencies.
• Capable of reviewing documents for sufficiency and accuracy to meet approval and policy standards and make financial recommendations to prospective customers.

Responsibilities

• Develop and maintain successful relationships with business referral sources, existing and prospective.
• Market and promote ENB's financial products.
• Meet with customers as necessary during various stages of the loan process.
• Collect and analyze information regarding the customer's income, assets, investments or debts.
• Deliver knowledgeable advice and solutions within client relationships to optimize revenue opportunities to the bank.
• Provide complete and accurate loan applications and gather all necessary documentation.
• Prepare and deliver all regulatory disclosure packages to applicants.
• Ensure timely and accurate submission of all loan packages to processing.
• Oversee loan process from origination to close and provide on-going communication to customers and business partners.
• Achieve production goals as established by ENB and within quality standards.

Skills

Customer service

Communication

Financial analysis

Sales/relationship building

MS Outlook/Word/Excel

Education

High School diploma or equivalent

Tools

Encompass LOS

Microsoft Excel

Job description

Ephrata National Bank is seeking a Mortgage Expert to proactively solicit new residential mortgage business and sell ENB mortgage products to meet production goals. You will develop a network of referrals and provide loan guidance through the full process from application to close.

The role emphasizes compliant, customer-focused service, leveraging ENB programs and regulatory requirements to deliver accurate disclosures and timely processing.