Apply on Employer Site

LCNB National Bank · 3 months ago

Mortgage Loan Officer

Worthington, OH

Full-time

Onsite

Entry, Mid Level

2+ years exp

LCNB National Bank is seeking a Mortgage Loan Officer within their Columbus Market. This position is responsible for originating real estate mortgage loans, developing business relationships, and ensuring compliance with lending laws and requirements.

FinanceFinancial Services

Responsibilities

Solicit residential mortgages from various sources

Develop and build relationships with realtors, builders, financial professionals, bank stores, past customers and other non-traditional sources

Produce high quality loans which are compliant and provide excellent customer service

Develop and maintain a high degree of visibility for mortgage originations, sales and business development

Understand and market LCNB National Bank mortgage loan products, stay informed of mortgage industry trends and developments in the assigned market

Understand real estate appraisals, title reports and real estate transactions

Review and analyze financial and credit data

Meet with applicants to answer questions and obtain information for mortgage loan applications

Collect and upload loan documentation and financial information into the loan operating system

Effectively learn and operate LCNB’s loan origination system

Effectively communicate with processing and underwriting support staff

Maintain a high level of customer satisfaction and effectively resolve issues

Maintain open and effective communication channels with customers, realtors and other referral sources

Attend loan closings, sales and officer meetings

Qualification

Mortgage loan originationFHAVAUSDA loansMortgage compliance knowledgeNMLS certificationFinancial analysis skillsMicrosoft Office SuiteCustomer service skillsOrganizational skillsCommunication skillsRelationship building

Required

2+ years of experience originating FHA, VA, USDA and conventional loans

High School diploma or GED equivalent

Preferred

Existing pipeline and book of business of local referral sources

Existing mortgage sales of 600,000 per month

Experience in federal and state mortgage lending statutes, compliance, and regulatory requirements

Knowledge & understanding of mortgage underwriting criteria and residential lending concepts and principles

Experience in personal financial analysis and tax return analysis

Ability to think, reason and communicate clearly

The ability to observe and identify details at close range

NMLS (Obtained or transferred within 30 days of hire)

Strong computer skills and working knowledge of Microsoft Office Suite

Knowledge & understanding of credit, underwriting, credit policy and financial statement analysis

Knowledge of Desktop Originator (DO) and Loan Prospector (LP)

Ability to thrive in a high volume, fast-paced environment

Strong organizational and time management skills with accuracy and attention to detail

Ability to build and maintain positive and effective relationships with others, both internally and externally

Strong written and verbal communication skills with the ability to effectively communicate with associates across the bank, as well as third-party agencies

Strong integrity, work ethic, and ability to achieve desired production results