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Mortgage Lender

Company: State Bank
Location: Cedar City
Posted on: June 9, 2021

Job Description:

As a Mortgage Loan Officer (MLO) you will continually identify, develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A MLO's network may consist of Real Estate professionals, Developers, Builders, professional and personal contacts, as well as others, and is enhanced by the MLO's regular participation in business related development opportunities, community efforts to promote homeownership and participation in professional organizations. The MLO responds to customer inquiries and referrals that are generated from both their own contacts and from other SBSU channels. The MLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, instruct customers of product/pricing policies and guidelines, and gather any additional required information. The MLO ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies.Essential Duties And ResponsibilitiesMake outside sales and customer service calls on present and prospective customers within SBSU's banking area.Ensures an exceptional experience by overseeing loan processes from origination to close and providing on-going communication to customers and business partners.Ensures that the loan applications and all pre-processing functions are completed and provided to the customer in a timely manner.Qualifies potential customers; builds rapport and establishes trust; asks questions to discover client business needs; applies product and market knowledge effectively; presents solutions that meet customer objectives; manages and documents sales process.Actively participate in community organizations and activities in a manner which reflects favorably on the Bank. Maintain close contact with local builders, real estate brokers and agents, customers and prospects.Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences. Exhibits good listening and comprehension; keeps others adequately informed. Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information.Cooperate with, participate in, and support the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements.Promote and cross-sell other banking products and services as appropriate to customer requirements.Develop innovative approaches and ideas. Identify and analyze potential loan markets to develop prospects for residential real estate loans. Provide loan data to support marketing and sales promotion programs.Establish and maintain effective relations; exhibits tact and consideration; offer assistance and support to co-workers; work cooperatively in group situations; work actively to resolve conflicts.Ability to generate annual production volumes of $10+ millionMinimum QualificationsHigh school diploma or equivalentMust satisfactorily pass criminal background check, a credit report, and register with the National Mortgage Licensing System and Registry (NMLSR).Preferred QualificationsBachelor's degree in business, marketing, or finance2 years of mortgage lending experienceProfessional background in a sales or marketing environmentExperience in Conventional, FHA, VA, RDA, and Jumbo loan productsDemonstrated success in prospecting, generating leads, closing business and consistently meeting/exceeding production goals.Verifiable, established network of referral business including Real Estate professionals and other centers of influence.Demonstrated understanding of mortgage processing, underwriting and closing procedures.Understanding of conventional and Federal Regulations governing Real Estate Lending.SkillsGood sales, organizational, and interpersonal skills.Strong computer skills including a fundamental understanding of Microsoft Office Excel and Word applications.Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.Understand business implications of decisions; display orientation to profitability; demonstrate knowledge of market and competition; align work with strategic goals.Requires minimal supervision and is motivated to increase productivity.Treat people with respect; keeps commitments; inspires the trust of others; works with integrity and principles; upholds organizational values.Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Keywords: State Bank, Saint George , Mortgage Lender, Other , Cedar City, Utah

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