Mortgage Loan Officer

Benefits

• Medical, dental, vision, life, and disability insurance
• 401(k) plan with a 4% employer match
• Generous paid time off (PTO), Smart Flex Days, and 11 paid company holidays
• Paid community involvement
• Company apparel
• Tuition reimbursement

Your Role as a Residential Lender Upholds Smart Bank Core Values and Core Purpose. Adheres to and embraces the Smart Bank Way by Acting Smart, Looking Smart and Being Smart.

• Actively participates in mortgage department meetings and geographic market meetings.
• Works in the community to create brand awareness through outside sales.
• Attend events throughout the markets they support to increase brand awareness.
• Solicits first mortgage loans.
• Informs prospective loan clients of the financial institution’s underwriting guidelines and applicable secondary market guidelines.
• Accepts online applications and interviews loan applicants by phone or in-person.
• Completes each loan application and all pre-processing functions in a timely manner to permit the disclosures to be sent out within the required three‑business day period.
• Works with loan processor in gathering requested documents and necessary signatures for loan files.
• Orders credit reports and analyzes the credit history of applicants to determine their loan repayment capabilities.
• Completes appropriate underwriting documentation for each loan file.
• Submits loan to AUS for initial approval.
• Ensures maintenance of consistent file management, documentation and loan administration practices.
• Attends loan closings at various locations in the community they serve.
• Actively markets Smart Bank’s mortgage products and services to realtors, builders, CPA’s, financial planners, title companies, etc. to solicit mortgage business.
• Completes weekly sales call reports and pipeline reports in a timely manner.
• Handles mortgage loan inquiries (cold calls) generated from advertising sources, customer referrals, etc. for assigned territory by visiting potential clients in the field.
• Cross‑sells all other bank products when warranted and appropriate.
• Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
• Performs other duties as assigned.

• Education:
  
  Bachelor’s degree in business, finance or related field preferred.
• Two to four years of experience in originating secondary market mortgages, preferably in a bank environment.
• Training Requirements (licenses, programs, or certificates): NMLS registration required; participates in periodic training in mortgage products, services, regulations and compliance.
• Knowledge, Skills, and Abilities:
• Underwriting knowledge.
• Excellent communication skills (written, verbal, listening).
• Detail‑oriented and well‑organized.
• Ability to handle multiple priorities and produce results.
• Ability to handle frequent changes.
• Ability to maintain confidentiality and adhere to the institution’s privacy policies.
• High level of integrity.
• Willingness to travel throughout their assigned territory to meet clients, solicit new business and attend community events in an outside sales capacity creating brand awareness.
• Work with little to no guidance but willing to independently meet goals and objectives as defined by supervisor.
• Self‑motivated/takes initiative.
• Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing proficient.
• Demonstrates ability to maintain a positive attitude.
• Able to maintain regular and predictable attendance.
• Willing to accept new ideas and methods and be agreeable to change.

• Able to routinely stand, sit, bend and stoop.
• Frequently and regularly required movements using wrists, hands, and/or fingers.
• Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
• Ability to hear average or normal conversations and receive ordinary information.
• May be required to travel to training sessions or meetings.