Mortgage Loan Officer

Overview

Join to apply for the Mortgage Loan Officer role at Servis First Bank
.

At Servis First, Our Name is Our Mission.

Responsibilities and requirements are described below.

• Proactively solicit new residential mortgage business and identify, develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities
• Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, complying with all federal and state compliance policies and adhering to HMDA requirements
• Assist client in determining the proper loan program
• Complete mortgage applications for submission to loan processing and underwriting
• Provide required initial disclosures within the given time frame set by compliance
• Establish a detailed marketing/business plan which includes names of potential and existing loan customers, realtors, builders and developers; include frequency of contact in the plan
• Promote and cross-sell other products and services as appropriate to client requirements
• Conduct networking activities such as community events, attending local Chambers of Commerce meetings, developing relationships with centers of influence and entertaining clients/prospects to enhance relationships and create new sales
• Evaluate loan requests, analyze financial data and determine qualification of collateral and client credit history
• Structure loans to comply with acceptable lending practices and federal and state regulations
• Maintain contact with client throughout the loan process
• Be familiar with all applicable compliance regulations and policies and follow and ensure compliance with these regulations and policies

• High school diploma or equivalent; bachelor’s degree preferred
• Two (2) years of mortgage lending experience with proven mortgage production
• Previous experience using automated underwriting technology preferred
• Basic knowledge of bank operations and products
• FHA/VA experience required
• Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements
• Excellent knowledge of agency guidelines
• Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence
• Proficient in Microsoft Outlook, Word and Excel
• Excellent customer service and time management skills
• Ability to multitask, as shown in previous experience as a processor completing tasks under time constraints
• Good organizational skills and ability to develop basic understanding of underwriting guidelines
• Good data entry/keyboarding and math skills

• Sustained standing and sitting
• Frequent use of PC, including typing or sustained attention to monitor
• Frequent typing using a keyboard and/or calculator
• Occasional lifting of basic office files or equipment up to 20 lbs
• Normal office environment with comfortable internal temperatures and low level noise

EOE/AA

Seniority level:
Entry level

Employment type:

Full-time

Job function:
Finance and Sales

Industries:
Banking

Location:

Pensacola, FL