Mortgage Loan Officer​/Originator

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Join to apply for the Mortgage Loan Officer/Originator role at INB, National Association

Description

Please Note:
This position is located in Peoria, IL

Description

Please Note:
This position is located in Peoria, IL

Summary: Examines, evaluates, and authorizes or recommends approval of customer applications for 1st Mortgage Real Estate loans, HELOC’s, and closed end second mortgages by performing the following duties.

Requirements

Essential Duties and Responsibilities: Include the following. Other duties may be assigned.

• Reviews, processes, closes and administers loan proposals.
• Interviews applicants and requests specified information for loan applications.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Corresponds with or interviews applicants or creditors to resolve questions regarding application information.
• For any in-house loan a loan approval request is made to Sr. Loan Committee or Sr. Management depending upon loan amount.
• Ensures loan agreements are complete and accurate according to policy.
• Confers with underwriter to aid in resolving mortgage application problems.
• Analyzes potential loan markets to develop prospects for loans.

Supervisory Responsibilities

There are no supervisory responsibilities in this job.

Competencies: To perform the job successfully, an individual should demonstrate the following competencies:

• Problem Solving - Identifies and resolves problems in a timely manner;
  Gathers and analyzes information skillfully;
  Develops alternative solutions;
  Works well in group problem solving situations;
  Uses reason even when dealing with emotional topics.
• Technical Skills - Assesses own strengths and weaknesses;
  Pursues training and development opportunities;
  Strives to continuously build knowledge and skills;
  Shares expertise with others.
• Customer Service - Manages difficult or emotional customer situations;
  Responds promptly to customer needs;
  Solicits customer feedback to improve service ;
  Responds to requests for service and assistance;
  Meets commitments.
• Interpersonal Skills - Focuses on solving conflict, not blaming;
  Maintains confidentiality;
  Listens to others without interrupting;
  Keeps emotions under control;
  Remains open to others' ideas and tries new things.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations;
  Listens and gets clarification;
  Responds well to questions;
  Demonstrates group presentation skills;
  Participates in meetings.
• Written Communication - Writes clearly and informatively;
  Edits work for spelling and grammar;
  Varies writing style to meet needs;
  Presents numerical data effectively;
  Able to read and interpret written information.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Education and/or Experience-High school diploma or general education degree (GED); or one to three months related experience and/or training; or equivalent combination of education and experience. Bachelor’s degree preferred but not required.
• Language Skills-Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
• Mathematical Skills-Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• Reasoning Ability-Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
• Computer Skills-To perform this job successfully, an individual should have knowledge of Spreadsheet software and Word Processing software.
• Other
  
  Skills and Abilities
  
  -Must possess superior people skills and sales ability.
• Physical Demands-The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must occasionally lift and/or move up to 25 pounds.

Comments

• Must have the ability to create long lasting relationships to the benefit of the loan officer and the bank. The position requires some travel to attend various conferences and banking related…