Mortgage Loan Officer

Join to apply for the Mortgage Loan Officer role at First Community Bank of South Carolina

Position Summary
Responsible for soliciting, negotiating, and assisting in coordinating the closing of routine mortgage loans. Examines, evaluates, and recommends approval of loan package. Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.

The majority of time worked is spent out of banking offices.

Essential Duties And Responsibilities

• Demonstrate knowledge of Bank mortgage loan products and services.
• Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.
• Demonstrate familiarity with underwriting guidelines with all of the Bank's investors and programs.
• Support the Bank's CRA and Fair Lending initiatives.
• Interview loan applicants and request required information for determining a credit decision.
• Compile loan packages and facilitate negotiation of loan structures with applicants, including fees, loan repayment options, and other credit terms.
• Conduct credit analysis to support granting loan approval within guidelines from approving officer and/or outsourced investor guidelines.
• Identify and analyze potential loan markets to develop mortgage loan prospects.
• Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.
• Assume ownership of customer problems to achieve resolution.
• Serve as primary contact in responding to customer and non-customer inquiries relative to mortgage loan products, rates, procedures, etc.
• Engage in marketing efforts with realtors, builders and others to obtain new business.

Qualifications

• Bachelor's degree, or at least 3 years of related experience, or an equivalent combination of education and experience.
• Effective oral and written communication skills.
• Effective interviewing skills.
• Ability to speak effectively before groups.
• Ability to compute basic to moderately complex math calculations.
• Basic problem-solving and analytical skills.
• Proficiency in using personal computers and office products (e.g., Word, Excel).
• Excellent customer service and interpersonal skills.
• Ability to work independently.
• Self-starter who is goal- and results-oriented.

Certificates, Licenses, Registrations
Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.

• Entry level

• Full-time

• Finance and Sales
• Industries:
  Banking, Financial Services, and Investment Banking