AVP, Mortgage Expert

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Full Time Sales Fair Hill Admin Office, Elkton, MD, US

4 days ago Requisition

Salary Range: $43.88 To $58.03 Hourly

The Mortgage Expert / Loan Officer (ME) proactively solicits new residential mortgage business and sells Ephrata National Bank (ENB) mortgage products to meet established loan quality and production goals. In this on-going sales role, the ME continually identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A ME’s network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the ME’s regular participation in business related development opportunities, community efforts to promote home ownership and professional organizations.

The ME responds to customer inquiries and referrals that are generated from both their own contacts and from other ENB business channels. The ME conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information. The ME ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.

Minimum annual personal production goal for the ME is $12,000,000 in closed residential mortgage volume.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Develop and maintain successful relationships with business referral sources, existing and prospective.
• Market and promote ENB's financial products.
• Meet with customers as necessary during various stages of the loan process.
• Utilize ENB training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customers and internal business partners.
• Collect and analyze information regarding the customer's income, assets, investments or debts.
• Deliver knowledgeable advice and solutions within client relationships to optimize revenue opportunities to the bank; determine which ENB financial products best meet the customer's needs and financial circumstances; advise the customer regarding the advantages and disadvantages of different ENB financial products.
• Provide complete and accurate loan applications and gather all necessary documentation.
• Prepare and deliver all regulatory disclosure packages to applicants.
• Ensure the timely and accurate submission of all loan packages to processing while working collaboratively with team members to meet established processing deadlines and quality standards.
• Ensure exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners.
• Achieve production goals as established by ENB and within quality standards.
• Oversee and ensure successful completion of all assigned ME Training activities.

• Develop Business Referral Network through marketing, cold-calling, prospecting and networking activities.
• Drives revenue growth through self-sourced opportunities. Plan and execute quality client/prospect calls.
• Represent ENB in community activities and organizations and to promote home ownership opportunities.

• Meet with prospective borrowers.
• Review / Analyze credit and financial data.
• Determine borrower financing objectives and goals.
• Present appropriate ENB products and programs and explain guidelines.
• Apprise customer of pricing and lock rate as required.
• Prepare and deliver all regulatory disclosures to applicant as required by law.
• Collect complete and accurate supporting…