Mortgage Loan Officer

Mortgage Loan Officer - Bell Bank, Gilbert, AZ

Under minimum supervision, this position will market and originate mortgage loans that meet regulatory and investor guidelines to be sold on the secondary mortgage market.

• Gather all information necessary for documentation, analysis, disclosure, and underwriting loan applications.
• Structure loans to ensure compliance with product guidelines.
• Submit through DU/LP and review findings to ensure borrower findings meet guidelines.
• Enter all required information into the mortgage loan origination system and order appraisal.
• Solicit and take loan applications in a professional and timely manner in line with company standards and procedures.
• Evaluate credit factors and eligibility to ensure applications meet guideline requirements.
• Provide appropriate borrower compliance information at the time of application, have disclosures signed and delivered.
• Provide Loan Estimate (LE) within regulatory guidelines and re-disclosure as required by MDIA requirements.
• Provide all necessary applicant information to the processor.
• Price loans according to guidelines and secure signed lock agreements.
• Review Closing Disclosure (CD) and prepare the borrower for closing.
• Maintain open communication with agents, borrowers, processors, and closers to provide excellent customer service.
• Develop individual marketing plans to expand market share and stimulate loan production.
• Maintain regular customer contact with professional and community organizations to ensure a positive company image.
• Stay up to date on all program, compliance, and investor guideline changes that will affect the borrower and Bell Bank Mortgage.
• Provide advice and service to applicants requesting mortgage information.
• Make preliminary determinations of applicant credit worthiness and issue prequalification statements of borrower eligibility.
• Maintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with Bell Bank policies, procedures, the Bell Bank Employee Conduct policies, the Bank Secrecy Act, and all applicable state and federal laws and regulations.
• Ensure information security compliance per company policies and standards protecting sensitive information.
• Perform other duties as assigned.

• B.A. or minimum of three years of mortgage banking experience.
• Two years of mortgage banking sale experience.
• NMLS registration.
• Familiarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA lending, regulatory compliance, and investor guidelines.
• Ability to strategically plan to market and develop business contacts.
• Ability to work with limited supervision.
• Excellent customer service skills.
• Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.
• Ability to travel to different branches and to off‑site meetings to meet with clients or co‑workers.