Outside Sales Mortgage Loan Officer

Outside Sales Mortgage Loan Officer

Apply for the Outside Sales Mortgage Loan Officer role at Primis Bank.

The Outside Sales Loan Officer builds a highly visible reputation as the mortgage loan expert in assigned areas, generating quality mortgage loans that meet Primis Mortgage product criteria. This role discusses client needs, recommends the best loan products, assists customers in assembling complete loan packages, and collaborates with the underwriting team throughout the process.

• Assist clients and referral sources primarily away from the office and sub‑branch offices.
• Independently develop strategic relationships with realtors, title companies, financial planners, stockbrokers, insurance agents, banks, credit unions, attorneys, and accountants for referrals.
• Work with Senior Management to gather and track all necessary data related to loan originations, determining the most cost‑effective and time‑efficient loan generation methods.
• Evaluate creditworthiness by processing loan applications and documentation within specified limits.
• Interview applicants to determine financial eligibility and feasibility of granting loans.
• Evaluate all credit reports, enter all information for loan approval, and manage resolution of all issues.
• Maintain regular, reliable, and predictable attendance.

• Comply with industry‑related regulations, requirements, and state/federal laws applicable to this position.
• Conduct cold call visits and deliver marketing materials to realtors’ offices.
• Attend seminars and trade shows, give presentations, distribute fliers, attend and sponsor open houses, and attend closings to network with potential customers; follow up thereafter.
• Maintain and update knowledge on all products and programs.
• Resolve all issues and maintain knowledge of all loan services procedures.
• Manage all loan payment methods and prepare all loan submission documents.
• Manage all communication with internal departments to facilitate all loan processes.
• Collaborate with the funding center and prepare all closing processes while maintaining account records.
• Monitor all loan applications and document all underwriting processes.
• Propose appropriate solutions and document all processes for underwriting transactions, providing updates to all credit histories.
• Determine all applicable ratios and metrics and set up debt payment plans.
• Maintain compliance with all state and federal regulations and Bank policies, including the Bank Secrecy Act, SAR, CTR, FACT ACT, Community Reinvestment Act, EEO, and fair employment practices.
• Perform all other duties as assigned.

• High school diploma or equivalent required.
• Bachelor’s degree in business, banking, or finance preferred.
• Required to possess all applicable licenses.
• A minimum of 3 years’ experience as a Loan Officer or similar role.

• Good understanding of banking computer software and MS Office.
• In‑depth knowledge of closing procedures, loan processes, and documentation.
• High level of understanding of current regulatory requirements affecting mortgage loans.
• Demonstrated judgment and decision‑making ability.
• Excellent presentation and communication skills, both verbal and written.
• Professional demeanor with the ability to work well with others and shift priorities in a fast‑paced environment.
• Highly organized, detail‑oriented, and able to work independently with little direction.
• Ability to effectively prioritize and manage day‑to‑day tasks efficiently.
• Ability to handle confidential financial information appropriately.
• Ability to tactfully handle stressful and difficult situations.
• Strong problem‑solving skills.

In terms of an 8‑hour workday, “occasional” equals 1% to 33%, “frequent” equals 34% to 66%, and “continuous” equals 67% to 100%. Some duties are performed monthly, annually, or sporadically throughout the year and are essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions of the position, if the accommodation does not impose undue hardship requiring significant difficulty or expense.

• Occasional stationary position, particularly at a desktop computer.
• Frequent repetitive use of hands/arms (typing, writing, phone, computer use).
• Continuous communication: verbal and written, in‑person, phone, and electronic.

• Majority of time spent outside the office working with referral sources and networking.
• Minimal time in a physical office location working on administrative duties, as needed.