Mortgage Loan Officer

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

The Mortgage Loan Officer will initiate the mortgage process for potential clients, preparing, analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate.

• May assist with training new mortgage officers.

• Meets with and interviews potential and current clients to understand their lending needs, including first-time mortgages and refinance of existing loans.
• Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications.
• Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness.
• Reviews loan applications, gathers credit histories and reports, and assesses applicants' capacity to repay and default risk.
• Based on predetermined requirements, assesses, and grants or rejects mortgage applications.
• Views or visits property for real estate purchase or refinance.
• Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.
• Develops and maintains contacts with local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages.
• Performs other duties as assigned.

• Excellent interpersonal and customer service skills.
• Excellent organizational skills and attention to detail.
• Thorough understanding of Federal Housing Authority (FHA), Veterans Affairs (VA), Federal National Mortgage (Fannie Mae), and other types of construction and conventional loans.
• Proficient with Microsoft Office Suite or related software.

• Licensed to Originate Mortgage Loans in one of the following states: PA, OH, NY, and VA.
• Bachelor's degree in Finance or Business Administration preferred.
• One to three years of prior experience in lending or related field preferred.

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times.

Reynoldsburg, OH