Senior Mortgage Loan Officer

Davita Inc.; Heath (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

A leading company in the banking sector is seeking a Senior Mortgage Loan Officer in Texas. The role involves originating residential mortgage loans, assessing borrowers' creditworthiness, and providing expert mortgage advice. Ideal candidates will have 3-5 years of experience in residential lending, compliance training, and a deep understanding of mortgage regulations. This position emphasizes relationship building with referral sources and staying updated on market conditions.

Qualifications

• 3-5 years of relevant experience in residential lending.
• Compliance training and knowledge of real estate laws and FNMA guidelines.
• Valid driver's license and clean driving record required.

Responsibilities

• Originate residential mortgage loans and evaluate borrowers' creditworthiness.
• Maintain relationships with referral and industry sources.
• Advise applicants on mortgage options and negotiate loan terms.

Skills

Proficiency in Microsoft Excel

Proficiency in Microsoft Word

Basic math skills

Ability to follow written instructions

Job description

Senior Mortgage Loan Officer

The Senior Mortgage Loan Officer is responsible for originating residential mortgage loans, pre-qualifying the creditworthiness and repayment ability of customers, and servicing these loans to meet or exceed the Bank's credit quality, profitability, and growth objectives. The individual also refers customers to appropriate bankers for cross-selling products and services.

1. Create, develop, and maintain relationships with referral and industry sources to maximize volume and income, meeting banking center profitability goals.
2. Interface with borrowers to complete and document loan applications, analyze financial conditions, evaluate collateral, and assess repayment capacity.
3. Set expectations for borrowers regarding loan approval processes and communicate throughout the loan lifecycle.
4. Respond to inquiries and generate referrals from contacts and other bank channels, also identifying opportunities for other bank services.
5. Advise applicants on options, explain mortgage types, and negotiate loan terms.
6. Stay updated on local real estate market conditions and changes in mortgage regulations.
7. Position subject to SAFE Act registration requirements.

Qualifications:

• 3-5 years of relevant experience in residential lending, with compliance training and knowledge of real estate laws and FNMA guidelines. Valid driver's license, clean driving record, reliable transportation, and registration with NMLS are required.

Skills:

• Proficiency in Microsoft Excel and Word, basic math skills, and ability to follow written instructions.

Note: ANBTX encourages bilingual candidates fluent in English and Spanish to apply. Bilingual requirements will be specified in job postings.

Equal Opportunity Employer. Applicants will be notified of rights under federal employment laws. For more information, review the Know Your Rights notice from the Department of Labor.