Mortgage Loan Officer

# Mortgage Loan Officer Saginaw - Saginaw, MI 48607## Overview Position Type Full Time## Description
** Corporate Values & Mission**“Provide superior service, quality advice and show our utmost respect to everyone we meet.”
** General Summary
** The Outside Sales Mortgage Loan Originator is responsible for generating residential mortgage loan business through proactive sales activities conducted primarily outside the employer’s place of business. This role focuses on building relationships, meeting clients in person, and guiding them through the mortgage process while ensuring compliance with all regulatory and company standards.

*
* Reports To:

** Mortgage Sales Manager
** Essential Duties and Responsibilities
** Sales and Business Development
* Identify, develop, and maintain relationships with prospective borrowers through networking, referrals, and community engagement.
* Actively solicit mortgage loan applications by meeting clients at their homes, workplaces, or other locations outside the employer’s office.
* Keep current on market conditions and competitive interest rates.

Client Consultation and Loan Origination
* Conduct in-person meetings to explain mortgage products, terms, and conditions tailored to client needs.
* Collect and review financial documentation, including income, employment history, assets, and credit reports.
* Accept mortgage loan applications according to policies, procedures, and guidelines established by Choice One Bank, regulatory agencies, and other appropriate entities.

Negotiation and Closing
* Obtain signed applications and agreements for mortgage loans.
* Ensure all required disclosures and compliance steps are completed accurately and timely.

Relationship Management
* Maintain ongoing communication with clients throughout the loan process.
* Provide exceptional customer service to ensure a smooth closing experience.

Other Duties
* Understand the loan underwriting standards.
* Continually review journals, articles, publications, and other material to review regulatory and legal changes pertinent to mortgage lending to ensure that all policies and procedures comply with all applicable laws and regulations.
* Develop relationships and knowledge which encourage referrals and synergies with co-workers.
* Develop partnerships with commercial, consumer, investment, and insurance divisions.
* Participate in staff meetings, including communication of information to staff members.
* Involvement in marketing of products, services, and promotions related to mortgage loan campaigns and marketing efforts of the organization.
* Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position.  Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
* Additional responsibilities as assigned.
** Competencies
* *** Written and Oral Communication** – Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has  group presentation skills.
** Quality** – Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.
** Analytical** – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.
** Technical Skills** – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures
** Dependability** – Follows instructions; responds to…