Towne Mortgage Of The Carolinas - Mortgage Loan Officer

As a Mortgage Loan Officer, you may look forward to:

• Mentoring other Loan Officers.
• Communicating with all parties in a professional and courteous manner.
• Providing service to applicants and prospective customers seeking a home loan, including interviewing, pre-qualification and pre-approval.
• Attending Loan Officer Meetings.
• Managing his/her pipeline of loans to verify accuracy of the current loan status.
• Communicating with customers, both internal and external, regarding the status of the loan and relaying information to all interested parties.
• Obeying all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).
• Preparing Mortgage Minutes for presentation at each sales meeting.
• Completing application and gathering supporting documentation.
• Working closely with the Broker/Sales Manager
• Inputting application data into Loan Origination Software (LOS).
• Acknowledging and abiding by TowneBank Mortgage Policies and Procedures.
• Quoting interest rates and securing pricing through the Secondary Marketing Department on behalf of the Customer.
• Representing the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
• Reviewing and completing regulatory disclosures with customer.
• Relaying to Senior Management any industry changes or trends that may be of interest to them.
• Utilizing automated underwriting systems (AUS) to obtain credit recommendations.
• Actively participating in all aspects of the Real Estate Office sales meetings and office functions:
• Participating in TowneBank, TowneBank Mortgage, and area association events.
• Collecting required application fees.
• Providing on-going training for the real estate agents (lunch and learns).
• Maintaining existing and generating new sources of referral business.

You are a person that (required skills):

• Has a valid NMLS number.
• Has a proven sales record based on closed loan production.
• Has an awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines.
• Currently possess sources of referral business for purchase transactions.
• Has at least 1-year experience originating VA, FHA, Conventional and VHDA loans.
• Has a High School Diploma or equivalent.

You’ll be better prepared if you have (desired skills):

• Working knowledge of Encompass software.
• Working knowledge of Microsoft Office products.

Physically you can anticipate to:

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation
• Express or exchange ideas by means of the spoken word via email and verbally
• Not substantially exposed to adverse environmental conditions
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time

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Licenses & Certifications

Preferred

• NMLS Registered

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)