Description

EEO Employer

Availa Bank believes our people make a difference, and we recognize that individual differences and experiences strengthen our teams. Each member of our team is empowered to inspire and enable our clients and the communities we serve to achieve financial success.

BANK MORTGAGE LOAN OFFICER POSITION SUMMARY

The primary responsibilities of this position are to generate, negotiate, underwrite, and coordinate the origination and closing of mortgage loans in compliance with the bank’s lending policies and procedures. Within the portfolio managed, the Loan Officer will be responsible for credit decisions (within authority guidelines), overall credit quality, and fee income.

BENEFITS

Availa Bank offers a rich selection of benefits you can personalize to support you and your family’s needs. Benefits may include:

Medical, Dental & Vision Plans
Option for Health Savings Account (HSA)
Life Insurance (Company paid for employee)
401K and Employee Stock Ownership Plan (ESOP)
Company Paid Short & Long Term Disability Insurance
Flexible Spending Account (FSA) & Dependent Care
Eligibility for Tuition Assistance and Discounts
Employee Assistance Program (EAP)

BANK MORTGAGE LOAN OFFICER ESSENTIAL DUTIES AND ACCOUNTABILITIES

Originates all loan applications within an acceptable customer service and regulatory timeframe
Analyze credit applications and propose appropriate mortgage solutions/products to meet customer financial needs
Maintain loan quality by striving for low incidence of incomplete documentation or regulatory violation
Help the bank attract new customers and deepen relationships with existing customers through active involvement in the community and through participation in the bank’s customer service and sales efforts
Adheres to bank policy, procedures, and all lending laws and regulations
Work with customers through difficult/complicated issues that may arise
Handle collections on delinquent loans; monitor the quality of existing loans
Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages
Develops and maintains contacts with local real estate agents, attorneys, developers, and builders to promote and encourage the use of bank services for residential mortgages
Makes recommendations for new loan products and services
Site visits may be applicable for construction, real estate purchase, or refinance originations
Refer additional bank services and products

Requirements

BANK MORTGAGE LOAN OFFICER ROLE QUALIFICATIONS

Education

Bachelor's in business or equivalent experience

Experience

Minimum 1 year Mortgage Lending experience preferred

Other Skills and Abilities

Demonstrated proficiency in typing with speed and accuracy; basic keyboarding skills are required
Sound knowledge of loan policies and procedures, including Fannie Mae
Strong background, or an ability to learn, mortgage lending principles and programs, technicalities, and compliance
Strong math skills; add, subtract, multiply, and divide in all units of measure
Exceptional oral, written, and interpersonal communication skills with the ability to apply commonly understood knowledge to carry out instructions and instruct others, understand procedures, and write reports and correspondence
Exceptional organizational and time management skills; ability to function well in a fast-paced environment
Proficient Microsoft Office skills (to include Word, Excel, PowerPoint, and Outlook) and Adobe PDF
Assumes a leadership role in community projects and activities
Accepts a leadership role within the bank and participates in bank promotions and activities

PM21

Learn more about this Employer on their Career Site

Bank Mortgage Loan Officer