Mortgage Consultant/Mortgage Loan Officer

Valley Central Bank seeks a Mortgage Consultant/Mortgage Loan Officer. The Mortgage Consultant/Mortgage Loan Officer is responsible for meeting with residential mortgage customers to evaluate their financial situation, guiding them through the mortgage application process, and ensuring compliance with relevant policies. This role involves proactive business development, collaboration with loan processors and underwriters, and maintaining relationships with various stakeholders to facilitate smooth transactions.

Essential Duties and Responsibilities

The essential functions include, but are not limited to the following:

• Meets with residential mortgage customers to evaluate their financial situation in an effort to successfully obtain mortgages
• Guides customers through residential mortgage application process to identify most suitable loan product/structure to meet the customer’s needs
• Ensures that the application process complies with state, federal, and organizational policies
• Proactively engages in business development activities to meet established goals for new loans to be sold on secondary market and those to be held in the Bank’s portfolio
• Works cohesively with loan processes and underwriters, collecting all documentation and information that they need to process applications
• Maintains relationships with realtors, builders, attorneys, CPAs, and other potential referral sources
• Builds and maintains relationships with clients and lenders to ensure smooth transactions
• Performs other duties as assigned

Minimum Qualifications

Education

● Required: Some College/Associate Degree

Experience

● Required: 1-2 years of mortgage operations experience

● Required: 1-3 years of mortgage lending sales experience

License/Certification

● Required: Nationwide Multistate Licensing System (NMLS) License

Knowledge, Skills, & Abilities

• Ability to work independently.
• Attention to Detail: Take care about detail and be thorough in completing work tasks.
• Critical Thinking and Problem Solving: Use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
• Communication Skills: Strong verbal and written communication skills to interact effectively and professionally with customers, partners, and colleagues.
• Conflict Resolution: Ability to handle complaints and resolve conflicts in a professional manner.
• Customer Service: Provide timely and accurate responses to customer questions.
• Data Analysis: Proficiency in using data to drive decision-making.
• In-depth understanding of secondary market and various investors.
• Multitasking: Ability to shift back and forth between two or more activities or sources of information.
• Regulatory Knowledge: Understanding of banking regulations, mortgage regulations, and compliance requirements.
• Relationship Building: Develop new connections, as well as nurture and expand existing customer and partner relationships.
• Sales Skills: The ability to identify customer needs and offer appropriate bank products and services.
• Teamwork: Work collaboratively with a group of colleagues, including loan processors and underwriters, to achieve a goal.
• Time Management: Manage one's own time effectively.

Technology

• General computer skills and proficiency to learn various applications, including mortgage software systems
• Experience with Microsoft Office 365

Compensation

• 100% commission-based with unlimited earning potential. Ideal for self-motivated individuals seeking performance-based rewards.

Valley Central Bank does not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

Job Type: Full-time

Benefits:

• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Retirement plan
• Vision insurance

Work Location: Hybrid remote in Liberty Township, OH (Butler County)