Job Description
Job DescriptionRole
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.
Knowledge and Skills
EXPERIENCE
2-5 years of similar