First Community Bank · 4 months ago
Mortgage Loan Officer
United States
Full-time
Remote
Entry Level
3+ years expFirst Community Bank of South Carolina is seeking a Mortgage Loan Officer responsible for soliciting, negotiating, and coordinating the closing of routine mortgage loans. The role involves evaluating loan packages, promoting business growth, and maintaining customer relations while ensuring compliance with regulations.
BankingCommunitiesFinancial ServicesFinTech
Responsibilities
Demonstrate knowledge of Bank mortgage loan products and services
Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations. Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services
Demonstrate familiarity with underwriting guidelines with all of the Bank's investors and programs
Support the Bank's CRA and Fair Lending initiatives
Interview loan applicants and request required information for determining a credit decision
Compile loan packages and facilitate negotiation of loan structures with applicants, including fees, loan repayment options, and other credit terms
Conduct credit analysis to support granting loan approval within guidelines from approving officer and/or outsourced investor guidelines
Identify and analyze potential loan markets to develop mortgage loan prospects
Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes
Assume ownership of customer problems to achieve resolution
Serve as primary contact in responding to customer and non-customer inquiries relative to mortgage loan products, rates, procedures, etc
Engage in marketing efforts with realtors, builders and others to obtain new business. Efforts include but are not limited to realtor open house luncheons, meeting with customers after hours, and calling and/or meeting potential customers during evening hours and on weekends per realtor request
Qualification
Required
Bachelor's degree, or at least 3 years of related experience, or an equivalent combination of education and experience
Effective oral and written communication skills
Effective interviewing skills
Ability to speak effectively before groups
Ability to compute basic to moderately complex math calculations
Basic problem-solving and analytical skills. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form
Proficiency in using personal computers and office products (e.g., Word, Excel)
Excellent customer service and interpersonal skills
Ability to work independently
Self-starter who is goal- and results-oriented
Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken
Company
First Community Bank
Want to know what sets First Community apart from other places to work? It's simple: We treat you like family.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Ann Robertson, CRCM, CRP, CBA
Senior Vice President/Chief Compliance Officer
Narin Seera CMB
Chief Mortgage Banking Officer
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