Mortgage Loan Officer - Residential Lending

Summary

This position is hybrid. The employee splits time between remote and office work on a formalized schedule. Consideration for location will be Beavercreek.

Originate various types of mortgage loans. Generate bank fee income by originating secondary market loans and build or replace portfolio as directed by senior management.

• Be the content expert on all the programs and products offered by Wes Banco, as well as the overall mortgage industry.
• Listen to the needs of customers and align them with the appropriate product and program to meet their mortgage needs.
• Pre‑qualify purchase customers as requested.
• Complete loan applications, inputting complete and accurate information in the Origination System currently utilized by Wes Banco Bank.
• Obtain all necessary documentation specific to the product, program and client needs.
• Review customer‑provided documentation to ensure it meets all industry standards, review credit and analyze overall information to ensure any unanswered questions are documented and provided.
• Disclose and provide the client with all required documentation within three days of application.
• Deliver a complete application electronically to the processing partner within three days of application, followed by client‑provided documentation within five days of application.
• Review realistic expectations and timelines with the customer during the initial application process.
• Conduct weekly pipeline calls with the processor and/or team to ensure all information is shared and all needs are identified with "what is needed", "who is responsible to satisfy need" and "when will it be completed".
• Promote Wes Banco mortgage within the real‑estate community by attending realtor functions, community events and educational opportunities within the industry.
• Work assigned branches to ensure you are known as their mortgage expert, conduct monthly quick start meetings and do a minimum of four "Mortgage Days" in the branch to promote your services to the branch customers.
• Communicate effective updates with customers throughout the mortgage process to ensure they have no surprises.
• Maintain and update CORE Sales stage information so the referral source can see the progress of the referral.
• Promote and cross‑sell all bank products and services.
• Adhere to the terms of your Service Level Agreement (SLA).
• Meet the minimum required milestones as assigned.
• Provide exceptional, professional service to mortgage customers, underwriters, processors and closers.

While performing the duties of this job, the employee is regularly required to sit and use hands to finger, handle, or feel. The employee is frequently required to reach with hands and arms, talk or hear. The employee is occasionally required to stand and walk. The employee must regularly lift or move up to 10 pounds and occasionally lift or move up to 25 pounds.

Specific vision abilities required by this job include close, distance, and peripheral vision, and ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Associate’s degree (A.A.) or equivalent from a two‑year college or technical school; or six months to one year related experience and/or training; or an equivalent combination of education and experience.
• Knowledge of FNMA, FHLMC, FHA, and VA preferred and experience with related AUS a plus.
• Mortgage loan origination lending background is required.