The Mortgage Loan Officer is primarily responsible for the origination, relationship management and proactive sale of residential mortgage loans. This role acts as a bridge between borrowers and lenders, guiding clients through the mortgage process to help them achieve their homeownership goals.

Business Development

• Build customer relationships through the advising and servicing of mortgage loans.
• Acquires, reviews, analyzes and processes residential real estate loan applications.
• Acquire and maintain accurate and timely data, coordination and communication with processors, underwriters, closers and customers throughout the pipeline process.
• Develops and maintains referral and industry networks including but not limited to realtors, builders and real estate professionals, and other business development contacts.
• Achieve monthly, quarterly, and annual profitability and performance standards.
• Cross-selling of additional Choice Financial services.
• Network and represent Choice Financial in the community, economic, and business development.
• Assures loans are closed in a timely manner as agreed to with the customer and Choice Financial.

Compliance

• Stay abreast of compliance changes, certifications and regulations to assure compliance.
• Maintain knowledge of the changing rules and regulations pertaining to both private and government-insured mortgages.
• Assures controls, guidelines, documentation and procedures are followed for secondary market pricing and expirations.
• Contains knowledge of bank and insurance (conventional and/or government lending guidelines) products and services.

Other General & Administrative

• Submits application forms to processing for verification of application information.
• Communicates with applicants or other persons to resolve discrepancies and or denials.
• Contains knowledge and complies with policies and procedures and industry changes.
• Performs duties outside normal scope as assigned.

Experience

• Attention to detail, reliability, and honesty.
• Ability to work primarily independently.
• Familiarity with mortgage loan components, language and terms.
• Active and good standing NMLS registration
• 3 - 5 years: Mortgage origination experience.

Education

• Bachelors or better in Marketing or related field
• Bachelors or better in Sales or related field
• Bachelors or better in Business Administration or related field
• Bachelors or better in Finance or related field

Skills

• Embraces change and encourages innovation
• Has a little fun
• Knows when to offer and ask for help
• Does the right thing
• Works hard

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)