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TowneBank Mortgage · 1 day ago

Mortgage Loan Officer

Newport News, VA

Full-time

Onsite

Entry Level

1+ years exp

TowneBank Mortgage is committed to providing borrowers with a personalized mortgage experience. The Mortgage Loan Officer is primarily responsible for originating mortgage loans in compliance with company and regulatory policy, providing service to applicants, and generating referral business.

BankingFinancial ServicesMortgage

Responsibilities

Provides service to applicants and prospective customers seeking home loan, including interviewing, pre-qualification and pre-approval

Completes application and gathers supporting documentation

Reviews and completes regulatory disclosures with customer

Maintains existing and generates new sources of referral business

Quotes interest rates and secures pricing through the Secondary Marketing Department on behalf of the Customer

Collects required application fees

Inputs application data into Loan Origination Software (LOS)

Utilizes automated underwriting systems (AUS) to obtain credit recommendations

Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties

Communicates with all parties in a professional and courteous manner

Manages your pipeline of loans to verify accuracy of the current loan status

Acknowledges and abides by TowneBank Mortgage Policies and Procedures

Mentors other Loan Officers

Relays to Senior Management any industry changes or trends that may be of interest to them

Participates in TowneBank, TowneBank Mortgage, and area association events

If in one of our joint ventures, actively participates in all aspects of the Real Estate Office sales meetings and office functions

Prepares Mortgage Minutes for presentation at each sales meeting

Provides on-going training for the real estate agents (lunch and learns)

Works closely with the Broker/Sales Manager

Attends Loan Officer Meetings

Represents the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities

Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA)

Other duties as assigned

Qualification

NMLS#VAFHAConventional loansSales recordReferral businessUnderwriting guidelinesMicrosoft OfficeEncompass softwareAttention to detailInterpersonal skillsSelf-motivated