Senior Mortgage Loan Officer

American National bank of Texas; Town of Texas, San Francisco (WI, CA); On-site; USD 50,000 - 90,000; Full time

Job summary

An established industry player is seeking a Senior Mortgage Loan Officer to drive mortgage loan origination. This role involves developing relationships with clients, processing loan applications, and ensuring compliance with real estate regulations. The ideal candidate will have 3-5 years of experience in residential lending and possess strong communication skills. Join a dynamic team where your expertise will help clients navigate their mortgage options and enhance the bank's profitability. This position offers a chance to make a significant impact in a growing financial institution.

Qualifications

• 3-5 years of experience in residential lending with compliance knowledge.
• Registration with the NMLS is required.

Responsibilities

• Originate residential mortgage loans and pre-qualify customers.
• Maintain communication with borrowers throughout the loan process.

Skills

Microsoft Excel

Microsoft Word

Basic Math Skills

Job description

Job Title: Senior Mortgage Loan Officer

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

1. Relationship Management: Create, develop, and maintain relationships with referral and industry sources to maximize mortgage loan volume and income, and meet banking center profitability goals.
2. Loan Processing: Interface with borrowers to complete and document loan applications, analyze financial conditions, evaluate collateral acceptability, and determine repayment capacity.
3. Customer Communication: Set expectations regarding loan approval processes and terms, and maintain communication with borrowers throughout the loan process, approval, and closing stages.
4. Customer Service and Referrals: Respond to inquiries, generate contacts from various channels, and identify opportunities for cross-selling other bank services.
5. Advisory: Explain mortgage options, differentiate between types of mortgages, and negotiate loan terms and conditions.
6. Market and Regulatory Awareness: Stay informed about local real estate market conditions and regulatory changes related to private and government-insured mortgages.
7. Compliance: Position subject to SAFE Act registration requirements.

Qualifications:

• 3-5 years of relevant experience in residential construction and permanent lending, with compliance training and knowledge of real estate laws and FNMA guidelines.
• Valid driver's license, clean driving record, reliable transportation for outside sales calls.
• Registration with the National Mortgage Licensing and Registry (NMLS) is required.

Skills:

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

ANBTX encourages candidates fluent in English and Spanish to apply. Bilingual positions will be specifically noted.

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