Mortgage Loan Officer

Apply for the Mortgage Loan Officer role at Penn Community Bank
.

• Develop sales leads independently and by cooperation with the Financial Center Managers or Business Development Officers to attain new Residential Lending business relationships and product sale.
• Manage a book of business for residential lending customers, including a pipeline of loans, answering customer inquiries, and developing relationships with Realtors and other COI.
• Assist borrowers in completing their applications for financing, gathering and entering complete information as needed.
• Analyze borrower qualifications to determine a prequalified loan amount while working with the borrower to identify the appropriate loan program and pricing.
• Deliver best‑in‑class customer service by promptly returning phone calls, answering questions, and providing education to prospective borrowers on loan product types.
• Abide by all state, federal, and local laws, including those regarding fair lending and nondiscrimination in the extension of mortgage services.
• Develop and foster internal and external client referral relationships to assist in generating an ever‑increasing pipeline of loan applications.
• Meet and exceed published individual and department goals for sales activity, productivity, and processing times.
• Become the client’s trusted advisor by demonstrating knowledge of the lending function, bank policy, and industry underwriting criteria.
• Participate as a valued team member, representing the bank with enthusiasm and professionalism at all times.
• Identify borrower cross‑selling opportunities, delivering warm transfers to internal partners to support bank cross‑sell goals.

• Comply with all applicable regulations and bank policies regarding employment and employment law.
• Participate in annual compliance and other job‑related training.
• Comply with applicable bank regulations, bank policies and procedures.
• Comply with the bank’s internal privacy and ethics standard.

• Internal:
  Report to Residential Lending Sales Manager; frequent interaction with operations staff, department leaders, and back‑office personnel.
• External:
  Frequent interaction with borrowers, depositors, referral sources, realtors, and vendors.

• High School diploma or GED required; college degree preferred.
• Minimum of two years’ previous experience in a sales‑oriented environment, with a proven track record of success required; network of established referral sources preferred.

• Must be compliant with the SAFE Act and registered with the Nationwide Mortgage Licensing System (NMLS).
• Strong working knowledge of underwriting guidelines for each agency, as well as bank overlays for portfolio business.
• Excellent written and oral communication skills.
• Ability to manage time extraordinarily well.
• Excellent presentation and public speaking skills.
• Familiarity with Microsoft Office.

• Seniority level:
  Mid‑Senior level
• Employment type:
  
  Full‑time
• Industry: Banking

• Medical insurance
• Vision insurance
• 401(k)