Towne Mortgage - Mortgage Loan Officer

As a Mortgage Loan Officer, you may look forward to: Providing service to applicants and prospective customers seeking a home loan, including interviewing, pre-qualification, and pre-approval. Completing applications and gathering supporting documentation. Reviewing and completing regulatory disclosures with customers. Maintaining existing and generating new sources of referral business. Quoting interest rates and securing pricing through the Secondary Marketing Department on behalf of the customer. Collecting required application fees. Inputting application data into Loan Origination Software (LOS). Utilizing automated underwriting systems (AUS) to obtain credit recommendations. Communicating with customers, both internal and external, regarding the status of the loan and relaying information to all interested parties. Communicating professionally and courteously with all parties. Managing your pipeline of loans to verify current loan status accuracy. Adhering to TowneBank Mortgage Policies and Procedures. Mentoring other Loan Officers. Relaying industry changes or trends to Senior Management. Participating in TowneBank, TowneBank Mortgage, and area association events. If in joint ventures, actively participating in all aspects of the Real Estate Office sales meetings and functions. Preparing Mortgage Minutes for sales meetings. Providing ongoing training for real estate agents (e.g., lunch and learns). Working closely with the Broker/Sales Manager. Attending Loan Officer Meetings. Representing the bank through community outreach to enhance our image and develop new business opportunities. Obeying all applicable federal laws, rules, and regulations related to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA). You are a person that (required skills): Has a valid NMLS number. Has at least 1-year experience originating VA, FHA, Conventional, and VHDA loans. Has a proven sales record based on closed loan production. Currently possesses sources of referral business for purchase transactions. Has a High School Diploma or equivalent. Has an awareness of FNMA/FHLMC, FHA, VA, and VHDA underwriting guidelines. You’ll be better prepared if you have (desired skills): Working knowledge of Microsoft Office products. Working knowledge of Encompass software. Physically, you can anticipate to: Express or exchange ideas verbally and via email. Exert up to 10 pounds of force occasionally, using arms and legs, and sit most of the time. Have close visual acuity for activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation. Not be substantially exposed to adverse environmental conditions. #tm #mortgage Qualifications

Licenses & Certifications

Preferred

NMLS Registered Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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