Bell Bank · 4 months ago
Mortgage Loan Officer
Gilbert, AZ, 85297, United States
Full-time
Onsite
Mid Level
3+ years expBell Bank is a financial institution based in the United States, and they are seeking a Mortgage Loan Officer to market and originate mortgage loans in compliance with regulatory and investor guidelines. The role involves gathering necessary documentation, structuring loans, and providing excellent customer service while maintaining communication with various stakeholders.
BankingFinanceFinancial Services
Responsibilities
Gather all information necessary for documentation, analysis, disclosure and underwriting loan applications
Structure loan to ensure compliance to product guidelines
Submit through DU/LP and review findings to ensure borrower findings meets guidelines
Enter all required information into the mortgage loan origination system and order appraisal
Solicit and take loan applications in a professional and timely manner in line with company standard and procedures
Evaluate credit factors and eligibility to ensure application meets guideline requirements
Provide appropriate borrower compliance information at the time of application, have disclosures signed and delivered
Provide Loan Estimate (LE) within regulatory guidelines. Also provide re-disclosure as required by regulatory guidelines through understanding of MDIA requirements
Provide all necessary applicant information to processor
Price loans according to guidelines and secure signed lock agreements
Review Closing Disclosure (CD) and prepare the borrower for closing
Keep open line of communication with agents, borrower, processors and closers to provide excellent customer service
Develop individual marketing plans to expand market share and stimulate loan production
Maintain regular customer contact with professional and community organizations to ensure a positive company image
Stay up to date on all program, compliance, and investor guidelines and changes that will affect the borrower and Bell Bank Mortgage
Provides advice and service to applicant requesting mortgage information
Make preliminary determination of applicant’s credit worthiness and has authority to issue prequalification statement of borrowers eligibility
Maintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management
Know by name and face as many customers and employees as possible, calling them by name as often as possible
Know, understand, and live the company values and bottom line
Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations
All employees are responsible for information security, including compliance with policies and standards which protect sensitive information
Perform other duties as assigned
Qualification
Required
B.A. or minimum of three years of mortgage banking experience
Two years of mortgage banking sale experience
NMLS registration
Familiarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA Lending, regulatory compliance and investor guidelines
Ability to strategically plan to market and develop business contact
Ability to work with limited supervision
Excellent customer service skills
Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile
Ability to travel to different branches and to off-site meetings to meet with clients or co-workers
Company
Bell Bank
People matter at Bell Bank – and it shows in how our team members treat each other, our customers and those around us.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Brooke Borrell
SVP/Marketing, Communications & Partnerships
Zac Wanzek, CFA, CPA
SVP | Deputy Chief Investment Officer
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