Senior Mortgage Loan Officer

American National bank of Texas; Town of Texas, Seagoville (WI, TX); On-site; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a Senior Mortgage Loan Officer to lead the origination of residential mortgage loans. This role is pivotal in building relationships with referral sources and ensuring a seamless loan approval process for customers. The ideal candidate will have a strong background in residential lending, compliance training, and a deep understanding of real estate laws. Join a dynamic team where your expertise will contribute to the bank's growth and service excellence. If you are passionate about helping clients navigate their mortgage options, this opportunity is perfect for you.

Qualifications

• 3-5 years of experience in residential lending with compliance training.
• Knowledge of real estate laws and FNMA guidelines.

Responsibilities

• Originate investment-quality mortgage loans and maximize profitability.
• Interface with borrowers to complete loan applications and assess conditions.
• Stay updated on local market conditions and regulatory changes.

Skills

Microsoft Excel

Microsoft Word

Basic Math Skills

Written Instruction Following

Job description

Job Description

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 also involves referring customers to the appropriate banker for cross-selling products and services.

Responsibilities

1. Create, develop, and maintain relationships with referral and industry sources to originate investment-quality mortgage loans, maximizing volume and income to meet 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 the loan approval process, communicate throughout the loan stages, and explain loan options and terms.
4. Respond to customer inquiries, generate leads from contacts and bank channels, and identify opportunities for cross-selling bank services.
5. Advise applicants on available options, explain different mortgage types, and negotiate loan terms.
6. Stay updated on local real estate market conditions and regulatory changes related to mortgages.
7. Position subject to SAFE Act registration requirements.

Qualifications

• 3-5 years of 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, and registration with NMLS.

Skills

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

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

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