State Bank of Southern Utah · 5 months ago
Mortgage Loan Officer
Kanab, Utah, United States
Full-time
Onsite
Mid, Senior Level
2+ years expState Bank of Southern Utah is seeking a Mortgage Loan Officer to build lasting relationships with real estate professionals and community members. The role involves guiding clients through the loan process, evaluating financials, and ensuring exceptional service while adhering to lending regulations.
BankingFinancial Services
Responsibilities
Make outside sales and customer service calls on present and prospective customers within SBSU’s banking area
Ensures an exceptional experience by overseeing loan processes from origination to close and providing on-going communication to customers and business partners
Ensures that the loan applications and all pre-processing functions are completed and provided to the customer in a timely manner
Qualifies potential customers; builds rapport and establishes trust; asks questions to discover client business needs; applies product and market knowledge effectively; presents solutions that meet customer objectives; manages and documents sales process
Actively participate in community organizations and activities in a manner which reflects favorably on the Bank. Maintain close contact with local builders, real estate brokers and agents, customers and prospects
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences. Exhibits good listening and comprehension; keeps others adequately informed. Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information
Cooperate with, participate in, and support the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements
Promote and cross-sell other banking products and services as appropriate to customer requirements
Develop innovative approaches and ideas. Identify and analyze potential loan markets to develop prospects for residential real estate loans. Provide loan data to support marketing and sales promotion programs
Establish and maintain effective relations; exhibits tact and consideration; offer assistance and support to co-workers; work cooperatively in group situations; work actively to resolve conflicts
Ability to generate annual production volumes of $10+ million
Qualification
Required
2 years of mortgage lending experience or banking experience
Must satisfactorily pass criminal background check, a credit report, and register with the National Mortgage Licensing System and Registry (NMLSR)
Good sales, organizational, and interpersonal skills
Strong computer skills including a fundamental understanding of Microsoft Office Excel and Word applications
Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
Understand business implications of decisions; display orientation to profitability; demonstrate knowledge of market and competition; align work with strategic goals
Requires minimal supervision and is motivated to increase productivity
Treat people with respect; keeps commitments; inspires the trust of others; works with integrity and principles; upholds organizational values
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form
Preferred
Bachelor's degree in business, marketing, or finance
4+ years of mortgage lending experience
Experience in Conventional, FHA, VA, RDA, Jumbo, and Utah Housing loan products
Demonstrated success in prospecting, generating leads, closing business and consistently meeting/exceeding production goals
Verifiable, established network of referral business including Real Estate professionals and other centers of influence
Demonstrated understanding of mortgage processing, underwriting and closing procedures
Understanding of conventional and Federal Regulations governing Real Estate Lending
Benefits
Medical Insurance & HSA
Dental & Vision Insurance
Basic Life, AD&D and Long-term disability insurance
Supplemental life and AD&D options available
401K with employer match
Annual Incentive Program
Paid Time Off (PTO) accrual every pay period
Up to 12 paid holidays per year
Childcare reimbursement program
Employee recognition program
Monthly wellness activities
Company
State Bank of Southern Utah
State Bank of Southern Utah is headquartered in Cedar City, Utah.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Eric Schmutz
President/CEO
Andy Crosby
Chief Human Resources Officer | Senior Vice President
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