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Central Bank · 1 day ago

Mortgage Loan Officer

O'Fallon, IL

Full-time

Hybrid

Entry, Mid Level

2+ years exp

Central Bank is seeking a Mortgage Loan Officer -- Outside Sales who will leverage their industry knowledge and sales skills to generate leads and close loans. The role involves building relationships with clients and referral partners while maintaining compliance with regulatory requirements.

FinanceFinancial Services

Responsibilities

Design, implement and maintain a personalized marketing program which results in the generation of an acceptable volume of mortgage lending and bank retail products as defined from time to time by the Bank

Maintain, grow, and systematically utilize an ongoing electronic data base of clients, referral partners, and prospects for continuous efforts to 'touch' clients and referral partners in order to generate mortgage sales

Know and successfully apply the principles of: Mortgage lending product knowledge, Compliance, Loan documentation, Fiscal literacy, Deal structuring for the customer's benefit, Computer technology

Be responsible for the timely submission of required borrower documentation. This may be accomplished by completing/obtaining the documents directly, or by utilizing our web site, or utilizing a loan officer assistant if authorized by the department manager

Build purposeful relationships with referral partners by: Consistently attending networking groups, Consistently attending open houses and similar events, Consistently visiting referral partners, Becoming a community resource

Utilize an effective personal time management system

Cross sell other Bank retail and lending products as required

Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures (i.e. CRA, Fair Lending, etc.) evidenced by appropriate application of these regulations in day-to-day operations. Complete all necessary compliance training to include but not limited to BSA

Attend meetings and Bank events as required, and perform other duties as may be specified from time to time

Qualification

Mortgage lending knowledgeCompliance knowledgeLoan documentationFiscal literacyCRM softwareHigh level communicationInterpersonal skillsTime managementTeamwork

Required

2-3 Years of Mortgage experience preferred

Valid driver's license with a clean driving background

Excellent knowledge of conventional and government mortgage underwriting requirements, real estate settlement practices, and of the residential lending business in general

Good command of the mathematics and reasoning skills involved in residential lending

High level communication skills, both oral and written

Excellent interpersonal skills, a committed listener, shows empathy, and deals well with individuals of all personality types. Builds rapport and confidence quickly

Computer skills; intermediate MS Word, intermediate MS Excel, intermediate MS Outlook, intermediate knowledge of Internet and data base or CRM software

Ability to work under pressure of multiple projects and deadlines; ability to effectively prioritize workload and manage changes in direction

Able to operate with minimal supervision, high achiever, and strong work ethic

Ability to work in a team environment