Outside Sales Mortgage Loan Officer

Position Summary

The Outside Sales Loan Officer builds a visible reputation as the mortgage loan expert in assigned areas, generating quality mortgage loans that meet Primis Mortgage product criteria. The officer discusses client needs, recommends the best loan products, helps customers assemble complete loan packages, and collaborates with underwriting throughout the loan process.

• Assist clients and referral sources primarily away from the office.
• Develop strategic relationships with realtors, title companies, financial planners, stockbrokers, insurance agents, banks, credit unions, attorneys, and accountants; meet face‑to‑face to create new sales opportunities.
• Work with senior management to gather and track data related to loan originations to determine cost‑effective and time‑efficient ways to generate loans.
• Evaluate credit worthiness by processing loan applications and documentation within specified limits.
• Interview applicants to determine financial eligibility and feasibility of granting loans.
• Evaluate all credit reports, enter information for loan approval, and manage resolution of all issues.
• Maintain regular, reliable, and predictable attendance.

• Comply with industry regulations, requirements, and state/federal laws applicable to this position.
• Conduct cold‑call visits and deliver marketing materials to realtors’ offices.
• Attend seminars, trade shows, give presentations, distribute fliers, sponsor open houses, and attend closings to network with potential customers; follow up afterward.
• Maintain and update knowledge on all products and programs.
• Resolve all issues and maintain knowledge on all loan services procedures.
• Manage all loan payment methods and prepare all loan submission documents.
• Manage communication with internal departments to facilitate all loan processes.
• Collaborate with funding center and prepare all closing processes and maintain account records.
• Monitor all loan applications and documents all underwriting processes.
• Propose appropriate solutions, document all processes for underwriting transactions, and prepare appropriate updates to all credit history.
• Determine all applicable ratios and metrics and set up debt payment plans.
• Maintain compliance with state and federal regulations; adhere to bank policies and procedures (Bank Secrecy Act, SAR, CTR, FACT ACT, Community Reinvestment Act, EEO, fair employment practices).
• All other duties as assigned.

• High school diploma or equivalent required.
• Bachelor’s degree in business, banking, or finance preferred.
• Required to possess all applicable licenses.
• Minimum of 3 years’ experience as a Loan Officer or similar role.

• Good understanding of banking computer software and MS Office.
• In‑depth knowledge of closing procedures, loan processes, and documentation.
• High level of understanding of current regulatory requirements affecting mortgage loans.
• Demonstrated judgment and decision‑making ability.
• Excellent presentation and communication skills, verbal and written.
• Professional demeanor with ability to work well with others; shift priorities in fast‑paced environment.
• Highly organized, detail‑oriented, and able to work independently with little direction.
• Effectively prioritize and manage day‑to‑day tasks efficiently; recognize, clarify, and prioritize concerns.
• Handle confidential financial information appropriately.
• Tactfully handle stressful and difficult situations.
• Strong problem‑solving skills.

In an 8‑hour workday, “occasional” equals 1%‑33%; “frequent” 34%‑66%; “continuous” 67%‑100%. Some duties are performed monthly, annually or sporadically throughout the year and are essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions if the accommodation does not impose an undue hardship that would require significant difficulty or expense.

• Occasional stationary position (desktop computer).
• Frequent repetitive use of hands/arms (typing, writing, phone & computer use).
• Continuous communication: verbal and written, in‑person, phone and electronic.

• Majority of time spent outside office location networking with referral sources.
• Minimal time in physical office location working on administrative duties as needed.