Mortgage Lender - Palmyra

NOTE:  POSITION IS IN PERSON - NOT REMOTE

• Be familiar with all residential loan products and market these to potential borrowers.  Evaluating all loan programs to fit borrower’s needs and qualifications.
• Originate mortgage (secondary market and portfolio i.e., HELOC, construction, etc.) and installment loans - interviewing clients, processing complete applications, obtaining all required documentation, ordering credit reports, appraisals, title insurance, flood certification, and any other required inspections.
• Generate new business through realtor relationships, community involvement and self-sourcing
• Provide a superior level of customer relations and service.
• Recognize the need for and/or cross-sell other bank products and refer clients to the correct bank personnel (commercial loan, internet banking, new deposit account, etc.)
• Assist in attaining established branch goals
• Data entry into origination software
• Maintain a pipeline record of clients-in-process
• Create, maintain, and complete a mortgage origination file to submit to underwriter for approval. Expedite the loan application process by curing any defects quickly and professionally.
• Coordinate and lock interest rates on approved loans
• Close underwriter approved loans professionally and in conformance with guidelines. 
• Successfully communicate with clients and referring staff member, if any throughout and after mortgage loan process
• Generate new business through realtor relationships, community involvement and self-sourcing
• Oversee any Adverse Action notices required
• Responsible for collection of delinquent credit for portfolio.
• Attend weekly Loan Committee
• Assist other loan officers as needed

Additional Duties & Responsibilities:

• Communicate any problems to supervisor
• Annually complete the assigned mandatory Continuity ToDo’s
• Annually complete the assigned mandatory BAI online courses.
• Annually read the Internet Policy, Employee Handbook, and Disaster Recovery Plan and sign that they have been read.
• Annually sign Customer Confidentially & Privacy Statement.
• Work well AS A TEAM with co-workers and the supervisor. 
• Be flexible and versatile with job duties as they arise throughout a day.
• Be able to prioritize and complete daily duties and assigned tasks with efficiency and accuracy.
• Reflect a positive attitude with coworkers, supervisors, and employees
• Perform other related duties required or assigned.

Requirements

• Lending Department or Sales experience preferred but not required
• Be willing and able to obtain a NMLS license (includes registration process, background check, and fingerprinting)
• Maintain a working knowledge of banking laws and regulations and internal policies and procedures related to the job.
• Maintain a working knowledge of all lending, deposit, and e-banking products/services the bank offers
• Be proficient with computer skills including Microsoft Word, Excel, and Web based applications (data entry, email, etc.) 

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.

• • While performing the duties of this job, the employee is regularly required to, stand, sit, talk, hear, use hands and fingers to operate a computer and telephone keyboard, reach with hands and arms, stoop, kneel, twist and bend.
  • Ability to communicate in writing and verbally.
  • Specific vision abilities required by this job include close vision requirements due to computer work.
  • Light to moderate lifting or moving is required up to 25 pounds.
  • Regular, predictable attendance is required.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• • Moderate noise (i.e., business office with computers, phone and printers, light traffic).
  • Ability to work in a confined area in some situations.
  • Ability to sit at a computer terminal for an extended period.
  • Standard office lighting.

The above statements are intended to describe the general nature and level of work being performed.  They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.