Mortgage Loan Officer

We're Hiring!

Mortgage Loan Officer - Atlanta, GA

Building relationships since 1921, Citizens Trust Bank is an institution built on a rich history of financial empowerment. Our Bank continues to champion its commitment to providing viable business and consumer money management solutions and personalized service to meet the growing needs of its customers. Our mission is to empower generations for financial success.

We are driven to excel and led by our mission of empowerment to prepare generations to secure a financial future. We inspire and execute our institution's values of INTEGRITY, COLLABORATION, INNOVATION, SERVICE EXCELLENCE, RESPECT, ACCOUNTABILITY, and LEADERSHIP to be the keys to our ongoing success.

By joining our team, you can expect opportunities to enhance personal skills as well as professional growth. As community partners, associates, and stakeholders of the bank's legacy - We Are Citizens Trust Bank, and we are united in the achievement of the bank and its mission and objectives. We invite you to be a part of our awesome team.

If you are interested in this position and meet the qualifications and requirements, please apply at  Additionally, if you have any questions, please contact us at .

POSITION SUMMARY:

POSITION SUMMARY:

Responsibilities include but are not limited to the following:

* Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank's mortgage and other banking solutions

* Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank

* Screens mortgage loan requests; educates prospective clients about the bank's underwriting guidelines and all applicable government regulations

* Obtains required information and documents from prospective loan clients and analyzes financial and credit data

* Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner

* Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers

* Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank

* Hosts and conducts home buyers related seminars and educational sessions

* Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank's lending programs, policies, procedures, regulatory requirements, applicable laws and regulations

* Demonstrates consistent professional appearance, image, ethics, integrity, and represents the CTB Brand

* Attends and participants in various business meetings; schedules and confirms appointments; follow-up on business referrals

* Composes and distributes various correspondence and reports; assists with the development of marketing material and resources

* Adheres to all policies, procedures, guidelines, expectations, laws and regulations

* Exceeds all established positions' goals, objectives, and expectations

* Supports the Bank's vision, core values, business principles, goals, and objectives

* Performs other duties and responsibilities as assigned

QUALIFICATIONS, SKILLS, AND ABILITIES:

* Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment

* Bachelor's degree in finance, accounting, economics, marketing, business administration, or related field

* Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment;
National Mortgage License System (NMLS) Certification is required

* Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures

* Excellent quality customer service skills and ability to establish relationships in a manner that enhances the overall marketing efforts of the Bank

* Must be able to maintain positive composure and consistently demonstrate professional appearance, image, and represents the CTB Brand

* Ability to prepare mortgage files for underwriting within established guidelines

* Excellent telephone etiquette and respectful of others

* Proficient in Microsoft Office (Word, Excel, Outlook, Internet, and working knowledge of Encompass Mortgage software systems)

* Assertive and demonstrates initiative with the ability to comprehend and follow directions and instructions

* Ability to produce accurate and organized work with minimum…