What are the responsibilities and job description for the Consumer/Mortgage Lender position at Greeneville Federal Bank?
Greeneville Federal Bank, a local community bank, is seeking a qualified individual to fill the position of Consumer/Mortgage Lender.
Position Summary
Responsible for soliciting, negotiating, and coordinating the closing of in-house consumer and mortgage loans. Examines, evaluates, and recommends approval of loan package. Also promotes business for Bank by developing new cross-selling opportunities.
Essential Duties and Responsibilities (Other duties may be assigned.)
Demonstrate knowledge of Bank products and services.
Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations. Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.
Interview loan applicants and request required information for determining a credit decision.
Compile loan packages and facilitate negotiation of loan structures with applicants, including fees, loan repayment options, and other credit terms.
Conduct credit analysis to support granting loan approval within guidelines from approving officer and/or outsourced investor guidelines.
Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.
Serve as primary contact in responding to customer and non-customer inquiries relative to loan products, rates, procedures, etc.
Engage in marketing efforts with realtors, builders and others to obtain new business. Efforts include but are not limited to realtor open house luncheons, meeting with customers after hours, and calling and/or meeting potential customers during evening hours and on weekends per realtor request.
Qualifications
Bachelor’s degree, or at least 3 years of related experience, or an equivalent combination of education and experience.
Effective oral and written communication skills.
Proficiency in using personal computers and office products (e.g., Word, Excel).
Excellent customer service and interpersonal skills.
Ability to work independently.
Self-starter who is goal- and results-oriented.
Experience in secondary market lending beneficial.
Certificates, Licenses, Registrations
Must be licensed with NMLS before any mortgage loan applications may be taken.
Salary is negotiable based upon experience.
Job Type: Full-time
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Health insurance
- Life insurance
- Paid time off
Work Location: In person