What are the responsibilities and job description for the Mortgage Loan Officer - MT position at First Federal Bank & Trust?
Role
Our work environment is fast-paced and requires team members to provide excellent customer service, be detail-oriented, to learn quickly and have strong organizational skills. Most importantly, we want our team members to have a positive attitude and enjoy their job and their co-workers.
Team members are expected to strongly support the Bank’s Strategic Plan, and to perform their job duties in accordance to and in the spirit of the Bank’s mission statement and Organizational Values.
Originates real estate mortgages and participates in related business development activities. The lender must have a thorough knowledge of lending requirements and real estate law.
Major Duties and Responsibilities
Experience
2-5 years of similar or related experience, including preparatory experience
EDUCATION/CERTIFICATIONS/LICENSES
High school education or GED
Interpersonal Skills
A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.
Other Skills
Qualifications - To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Professionalism - Approaches others in a tactful manner; reacts well under pressure, treats others with respect and consideration regardless of their status or positions, accepts responsibility for own actions; follows through on commitments. Professional appearance and attire. Work area organized with a professional atmosphere.
Teamwork - Balances team and individual responsibilities; contributes to building a positive team spirit; supports everyone’s efforts to succeed.
Mathematical Skills - Ability to calculate figures and amounts such as discounts, interest, commissions. Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals.
Reasoning Ability - Ability to apply common sense and understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
ADA Requirements
Physical Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 50 lbs. Must be capable of climbing/descending stairs in emergency situations. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. 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 whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
WORKING CONDITIONS
Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.
Mental And/Or Emotional Requirements
Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters.
Powered by ExactHire: 196335
Our work environment is fast-paced and requires team members to provide excellent customer service, be detail-oriented, to learn quickly and have strong organizational skills. Most importantly, we want our team members to have a positive attitude and enjoy their job and their co-workers.
Team members are expected to strongly support the Bank’s Strategic Plan, and to perform their job duties in accordance to and in the spirit of the Bank’s mission statement and Organizational Values.
Originates real estate mortgages and participates in related business development activities. The lender must have a thorough knowledge of lending requirements and real estate law.
Major Duties and Responsibilities
- Responsible for real estate loans, including secondary market loans, portfolio loans, construction and equity loans
- High level of computer literacy
- Basic knowledge and ability to use banks core operating system
- Engage in marketing efforts to increase business, client & referral business
- Strong analytical skills, combined with sound judgement and decision-making abilities Obtain and analyze financial and credit data
- Work with the processors and underwriters to facilitate the quick and smooth closing of all transactions
- Utilize lock desk specific to loan programs and ensure pricing conforms to Mortgage Loan Committee
- Ensure compliance to applicable regulations and keeps up to date on all changes in real estate regulations and lending requirements
- Participate in community events and service
- Cross sell other bank products and services
- Attend training and bank meetings to stay up to date on FHA/VA/USDA/Conventional/Portfolio changes & guidelines
- Manage loan portfolio and attend weekly pipeline meetings
- Responsible for past due loans up to 30 days
- Interface with other departments as necessary to ensure the smooth operation and growth of the operation
- Backup responsibilities for consumer lender
- High level of professionalism and ability to maintain confidentiality
- Communicates challenges and opportunities to manager
- Ensure that an environment of teamwork is always maintained
- Provide and promote exceptional customer service.
- Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Experience
2-5 years of similar or related experience, including preparatory experience
EDUCATION/CERTIFICATIONS/LICENSES
High school education or GED
Interpersonal Skills
A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.
Other Skills
Qualifications - To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Professionalism - Approaches others in a tactful manner; reacts well under pressure, treats others with respect and consideration regardless of their status or positions, accepts responsibility for own actions; follows through on commitments. Professional appearance and attire. Work area organized with a professional atmosphere.
Teamwork - Balances team and individual responsibilities; contributes to building a positive team spirit; supports everyone’s efforts to succeed.
Mathematical Skills - Ability to calculate figures and amounts such as discounts, interest, commissions. Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals.
Reasoning Ability - Ability to apply common sense and understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
ADA Requirements
Physical Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 50 lbs. Must be capable of climbing/descending stairs in emergency situations. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. 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 whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
WORKING CONDITIONS
Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.
Mental And/Or Emotional Requirements
Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters.
Powered by ExactHire: 196335
Salary : $25 - $30