• Determine financing objectives and goals. Conducts the loan interview and secures the customer information necessary to initiate a loan transaction. Provides loan information and service to customers, realtors, and others as needed.
• Receives and screens loan applications. Pulls, review and analyzes credit. Gathers financial data. Notifies client to resolve discrepancies such as late payment history, judgments, etc. Discusses options. Informs client of closing costs such as appraisals, and attorney fees.
• Prepares records and reports as requested regarding loan origination and closing activities as needed.
• Collects supporting loan documentation. Requests a personal employment and credit check of the applicant, requests an appraisal on the property and/or construction plans under consideration.
• Maintain constant communication with clients via email, phone and mail form application to closing and post-closing. Communicate with attorneys, realtors, appraisers and vendors pertaining to specific client needs.
• Maintains contacts and good working relationships with real estate brokers, attorneys, and builders to assure a favorable image of the organization and to provide information regarding current loan policies and procedures.
• Receives inquiries from prospective customers regarding all types of mortgage and construction loans, provides requested information regarding the organizations lending policies and procedures.
• Responsible for maintaining loan quality in compliance with Bank policy, underwriting standards and documentation requirements.

• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, RESPA, Regulation B, TRID and any other Mortgage related regulations.
• Adhere to Bank of the San Juans Company Core Values.
• Keeps management appropriately informed of area activities and of any significant problems.
• Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Bank of the San Juans.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
• Complete required bank and BVS training courses within assigned time frame(s), or sooner at managements discretion.
• Represent Bank of the San Juans in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required.
• Additional duties as requested or assigned.

• A two-year college degree or completion of a specialized course of study at a business or trade school. Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.
• Two to Five years of similar or related experience, including time spent in preparatory positions.

• Knowledge of Fannie Mae and Freddie Mac guidelines is required. Bi-lingual skills are a plus.
• Strong interpersonal skills
• High level of independent judgement
• Strong problem solving skills
• Ability to work independently
• Basic Accounting skills – ability to analyze and understand tax returns, P&Ls, income statements and ability to prepare thorough, accurate self employed income analysis.
• Excellent interviewing, communication and public relations skills.
• Professional appearance and attitude.
• Strong analytical and financial skills.
• Ability to operate related computer applications, and other business equipment icluding calculators, printer and telephone.
• Strong typing skills

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.