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SUMMARY: Field & Main is looking for a talented Mortgage Loan Officer who wants to be a part of a growing and innovative organization of professionals committed to serving their community. If you are looking for an opportunity to improve your craft, this may be the perfect fit for you.
Mortgage loan officers specialize in loans used to buy real estate (property and buildings). Mortgage loan officers work on loans for both residential and commercial properties. Often, mortgage loan officers must seek out clients, which requires developing relationships with real estate companies and other sources that can refer prospective applicants.
EDUCATION & EXPERIENCE:
Bachelor's degree in business, finance or related field preferred or equivalent experience
Minimum of two years' work related experience
Demonstrated capability of producing and increasing bank customer business or experience managing a customer portfolio
Experience with Jack Henry, CRM software, or financial planning software.
Proficient with Excel, Word, & PowerPoint
ESSENTIAL DUTIES & RESPONSIBILITIES:
The work of mortgage loan officers has sizable customer-service and sales components. Loan officers often answer questions and guide customers through the application process. In addition, they must market the products and services of the bank and actively solicit new business.
Analyze potential loan markets and develop referral networks to locate prospects for loans.
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Obtain, verify, and analyze the applicant's financial information, such as the credit rating and income level
Review loan agreements to ensure that they comply with federal and state regulations
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Review loan agreements to ensure that they are complete and accurate according to policy.
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Handle customer complaints and take appropriate action to resolve them.
Review and update credit and loan files.
Submit applications to credit analysts for verification and recommendation.
Compute payment schedules.
Confer with loan administrators or underwriters to aid in resolving mortgage application problems.
Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
Negotiate payment arrangements with customers who have delinquent loans.
Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
Actively participates in Field & Main's sales, service & product training meetings
Represents the financial institution in community affairs & civic organizations
KNOWLEDGE, SKILLS & ABILITIES:
Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
Ability to multitask and work in a fast paced, ever-changing environment
Strong customer relationship building abilities.
Comprehensive knowledge of lending services & compliance.
Excellent interpersonal, communication & organizational skills.
Good understanding of financial products & services.
Problem Solving skills and ability to recognize and focus on critical issues, Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Sales experience, particularly in cross-selling products & services. Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems
COMPETENCIES: To be successful in this position, an individual should possess and demonstrate the following competencies to perform the essential functions of this position.
COMPUTER SKILLS – Strong working knowledge of computer functions. Ability to learn new technical skills & commitment to pursuing continuing education opportunities to advance technical skills.
INITIATIVE – Ability to determine a correct course of action based on knowledge, policies & sound judgment. Takes proactive steps to accomplish task without specific direction. Seeks out & takes responsibility for additional work assessments. Seeks out new learning opportunities. Ability to consistently make correct decisions based on sound judgment, job knowledge, job experience & job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision & reason & base for the decision.
FOLLOW-UP – Completes assignments & tasks willingly, promptly & efficiently. Responds with a sense of urgency to requests from customers, co-workers & /or supervisor. Keeps supervisor informed of status of completed tasks.
COMMUNICATION SKILLS- Relates positively to customers, staff, co-workers, & supervisors. Consistently demonstrates appropriate use of language expected in a professional work environment. Considerate & respectful of clients, customers, staff, co-workers, & supervisors by tone, volume & mannerism used in communicating. Expresses thoughts clearly & proficiently in written & oral form. Maintains confidentially in all bank, employee & customer related matters.
INTERPERSONAL RELATIONSHIP SKILLS – Works well with & along co-workers conveying thoughts, actions & actions in a positive manner. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety & decorum. Interacts & communicates with individuals at all levels of the organization. Dependable, consistently at work & on time, follows instructions, responds to management directions & solicits feedback to improve performance.
TIME-MANAGEMENT – Ability to consistently display a sense of urgency in completing tasks & servicing customer's needs. Ability to maintain accuracy & quality & of work as quantity of work increases. Individual organizes, prioritizes & plans work activities & use of time efficiently. Effectively prioritizes duties & develops a system that triggers action in own workflow. Possess ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat & efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy & thoroughness & monitors own work to ensure quality & quantity of work. Takes time to verify work & promptly correct errors. Maintains all the required & appropriate records necessary in the job.
ADHERENCE TO POLICIES & PROCEDURES - Understands the importance of adherence to bank policies in job related functions, employee & banking issues. Maintains confidentiality of employee, customer & bank information within & outside of the company. Actions & behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee & bank information.
ADA REQUIREMENTS : Work is performed in an open office setting; one must be able to concentrate & perform work in an area that will likely result in the interruptions of one's duties. Ability to lift items weighing up to 50 lbs.
This job may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. Job descriptions and duties may be modified when deemed appropriate by management.
EOE Minorities/Women/Vets/Disabled Equal Opportunity Employer.
ControlID: 14.234.89 SHR
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