Mortgage Loan Officer

Responsibilities

• Originates mortgage loans in surrounding area
• Develops referral relationships with realtors, developers, builders, and potential customers to promote the bank's loans and develop business
• Assesses needs and advises customers and potential clients on financial solutions
• Interviews applicants, collects data on earnings/income or other financials, and assesses loan risks
• Develops and structures each loan to best fit customer needs; conducts preliminary underwriting review and submits loan applications to processing and underwriting for final approval
• Follows loan status, maintains communications with customers and realtors, and ensures that documents required for processing, underwriting, and closing are secured in a timely manner
• Monitors existing real estate loan portfolio to ensure proper risk ratings and early identification of potential issues
• Assists delinquent customers to become current and stay current with alternatives to foreclosure
• Maintains on‑going customer contact, quality customer service, and superior product knowledge
• Stays abreast of Freddie Mac policies and procedures to ensure proper application and document collection requirements
• Maintains compliance and regulation in all loan documentation and processing

• 2 years of experience in mortgage loans, loan documentation, and compliance regulations preferred
• Nationwide Multistate Licensing System & Registry (NMLS)
• Experience with Freddie Mac products preferred, but not required
• Customer service skills
• Oral and written communication skills
• Decision‑making skills
• Interpersonal skills
• Mathematical skills
• Analytical thinking skills
• Ability to multi‑task

Demonstrates expertise in originating mortgage loans, developing referral relationships, and providing tailored financial solutions. Proficient in loan documentation, compliance regulations, and maintaining customer relationships while ensuring adherence to Freddie Mac policies.

• Loan Underwriting
• Risk Assessment
• Financial Analysis
• Mathematical Skills
• Multi‑tasking

• Oral Communication Skills
• Written Communication Skills
• Decision‑making Skills
• Interpersonal Skills
• Analytical Thinking Skills

• NMLS Certification