Mortgage Loan Officer

Location:

9961 Iron Bridge Rd
Chesterfield, VA 23832, USA

Location:

800 E Canal St
Suite 100
Richmond, VA 23219, USA

Our member‑centric approach empowers our team members to build lasting relationships with the businesses, families, and communities we serve, leading to opportunities and bright futures for our dedicated mortgage professionals.

We value and respect the impact our colleagues make every day both inside and outside our organization. We encourage professional and personal development and embrace a culture that celebrates and promotes the diverse talents, backgrounds, and perspectives of our colleagues and members.

Join us at Towne Bank Mortgage!

About Us: Inspired by our hometown roots, Towne Bank Mortgage is committed to providing our borrowers with a personalized mortgage experience. As a division of Towne Bank, we uphold the principles and philosophies that have been established by our hometown traditions. Towne Bank Mortgage provides the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.

This position is primarily responsible for originating Mortgage loans in compliance with company and regulatory policy.

• Provides service to applicants and prospective customers seeking home loan, including interviewing, pre‑qualification and pre‑approval.
• Completes application and gathers supporting documentation.
• Reviews and completes regulatory disclosures with customer.
• Maintains existing and generates new sources of referral business.
• Quotes interest rates and secures pricing through the Secondary Marketing Department on behalf of the Customer.
• Collects required application fees.
• Inputs application data into Loan Origination Software (LOS).
• Utilizes automated underwriting systems (AUS) to obtain credit recommendations.
• Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties.
• Communicates with all parties in a professional and courteous manner.
• Manages your pipeline of loans to verify accuracy of the current loan status.
• Acknowledges and abides by Towne Bank Mortgage Policies and Procedures.
• Mentors other Loan Officers.
• Relays to Senior Management any industry changes or trends that may be of interest to them.
• Participates in Towne Bank, Towne Bank Mortgage, and area association events.
• If in one of our joint ventures, actively participates in all aspects of the Real Estate Office sales meetings and office functions.
  • Prepares Mortgage Minutes for presentation at each sales meeting.
  • Provides on‑going training for the real estate agents (lunch and learns).
  • Works closely with the Broker/Sales Manager
• Attends Loan Officer Meetings.
• Represents the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
• Adheres to applicable federal laws, rules, and regulations including those related to Anti‑Money Laundering (AML) and the Bank Secrecy Act (BSA).
• Other duties as assigned.

• Has an active NMLS#.
• Has at least 1‑year experience originating VA, FHA, Conventional and VHDA loans.
• Has a proven sales record based on closed loan production.
• Currently possesses sources of referral business for purchase transactions.
• Has a High School Diploma or equivalent.
• Has awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines.
• High degree of personal integrity.
• Self‑motivated.
• Strong interpersonal skills.

• Working knowledge of Microsoft Office products.
• Working knowledge of Encompass origination software.

When you join our team, take pride in knowing that your work positively impacts others. We offer a space where self‑starters, problem solvers and entrepreneurial spirits excel.

• Resources needed to succeed
• Advanced technology
• Excellence in operations

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to…