Unity Bank · 4 months ago
Residential Mortgage Loan Officer
64 Old Highway 22, Clinton, NJ, USA
Full-time
Onsite
Senior Level
$15.49/hr - $21.62/hr
5+ years expUnity Bank is a financial institution focused on residential lending, and they are seeking a Mortgage Loan Officer to manage and grow profitable lending relationships. The role involves originating mortgage loans, evaluating borrowers' financial statuses, and providing guidance throughout the mortgage process.
BankingFinancial Services
Responsibilities
Responsible for originating self-generated mortgage loans in addition to loans referred by Unity Bank referral sources
Conduct evaluations of borrowers' financial statuses
Counsel prospective borrowers to assist them in obtaining mortgage financing and maintain regular contact with borrower(s) once a pre-qualification has been issued
Assist mortgage operations in obtaining documentation for underwriting and closing of submitted applications
Provide bank personnel and customers with information on current interest rates and new mortgage products
Actively enhance the financial relationship of the mortgagee by cross selling Unity Bank products and services where applicable
Contact and develop interpersonal relationships with prospective lead sources such as real estate professionals and prospective borrowers
Work towards meeting targets set by management
Generate leads in the local area through existing customers and other lead sources such as networking and community events
Maintain knowledge of current bank products and mortgage lending laws and guidelines
Qualification
Required
High school diploma
Five years of experience in mortgage lending
Must have existing book of business
NMLS registration
Excellent computer skills in a Microsoft Windows environment including proficiency in Word and Excel
Thorough knowledge of mortgage laws, federal and state, as well as Fannie Mae, Freddie Mac & FHA guidelines
Knowledge of loan origination systems
Knowledge of market trends in the mortgage industry
Ability to ascertain customer needs and advise on appropriate products and services
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference and volume
Ability to read, analyze, and interpret legal documents, governmental regulations, and professional publications
Ability to effectively present information and respond to inquiries from senior management, attorneys, vendors, government agents, and the general public; ability to write reports and business correspondence
Ability to apply common sense understanding to carry out written and oral instructions. Ability to deal with problems involving several concrete variables in standardized situations
Ability to work independently with little supervision
Company
Unity Bank
Unity Bank provides financial services to retail and business customers through our branches located in Hunterdon, Middlesex.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
James Hughes
President & CEO
George Boyan
Chief Financial Officer
Recent News
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