Mortgage Loan Officer

Greenville, SC;
Augusta, GA;
Columbia, SC;
Sandy Springs, GA

Responsible for soliciting, negotiating, and assist 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.

• Demonstrate knowledge of Bank mortgage loan products and services.
• Followbank policies and procedures, security guidelines, and comply with all federal, state and local regulations. Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.
• 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.
• Compileloan packages and facilitate negotiation of loan structures with applicants, including fees, loan repayment options, and other creditterms.
• Conduct credit analysis to support granting loan approvalwithin guidelines from approving officer and/or outsourced investorguidelines.
• Identify and analyze potential loan markets to develop mortgage loan prospects.
• Promotebusiness 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.
• Serveas primary contact in responding to customer and non-customer inquiriesrelative to mortgage loan products, rates, procedures, etc.
• Engagein marketing efforts with realtors, builders and others to obtain new business. Efforts include but are not limited to realtor open houseluncheons, meeting with customers after hours, and calling and/ormeeting potential customers during evening hours and on weekends perrealtor request.

• Bachelor’s degree preferred but not required.
• Minimum three years of residential mortgage lending is required.
• Effective oral and written communication skills.
• Effective interviewing skills.
• Ability to speak effectively before groups.
• Ability to compute basic to moderately complex math calculations.
• Basicproblem-solving and analytical skills.
  
  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to work independently.
• Excellent customer service and interpersonal skills.
• Proficiency in using personal computers and office products (e.g., Word, Excel).
• 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.

First Community Bank offers competitive compensation, insurance and retirement benefits, a generous paid time off plan, and a stable and friendly working environment.