Citizens Trust Bank · 8 hours ago
Mortgage Loan Officer
Birmingham, AL
Full-time
Onsite
Mid Level
3+ years expCitizens Trust Bank is a longstanding institution committed to providing personalized service and financial solutions. The Mortgage Loan Officer will be responsible for generating business leads, managing the loan application process, and delivering exceptional customer service while adhering to banking regulations.
BankingFinanceFinancial ServicesVenture Capital
Responsibilities
Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions
Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank
Screens mortgage loan requests; educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations
Obtains required information and documents from prospective loan clients and analyzes financial and credit data
Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner
Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers
Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank
Hosts and conducts homebuyers related seminars and educational sessions
Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank’s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations
Demonstrates consistent professional appearance, image, ethics, integrity, and represents the CTB Brand
Attends and participants in various business meetings; schedules and confirms appointments; follow-up on business referrals
Composes and distributes various correspondence and reports; assists with the development of marketing material and resources
Adheres to all policies, procedures, guidelines, expectations, laws and regulations
Exceeds all established positions’ goals, objectives, and expectations
Supports the Bank’s vision, core values, business principles, goals, and objectives
Performs Other Duties And Responsibilities As Assigned
Qualification
Required
Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment
Bachelor's degree in finance, accounting, economics, marketing, business administration, or related field
Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required
Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures
Excellent quality customer service skills and ability to establish relationships in a manner that enhances the overall marketing efforts of the Bank
Must be able to maintain positive composure and consistently demonstrate professional appearance, image, and represents the CTB Brand
Ability to prepare mortgage files for underwriting within established guidelines
Excellent telephone etiquette and respectful of others
Proficient in Microsoft Office (Word, Excel, Outlook, Internet, and working knowledge of Encompass Mortgage software systems)
Assertive and demonstrates initiative with the ability to comprehend and follow directions and instructions
Ability to produce accurate and organized work with minimum supervision
Genuine interest in serving and caring for others
Excellent Organizational, Listening, And Interpersonal Skills Are Required
Ability to handle and maintain confidential matters and information
Up to date understanding of industry trends and developments
Must be a self-starter who is self-motivated with the ability to produce results, meet all established goals, objectives, and expectations, and ability to comply with all bank policies, procedures, regulations, and laws
Excellent analytical and problem resolution and negotiation skills
Ambitious with a strong work ethic, positive behavior, ability to work both independently and as a part of a team, results focused, and detailed-oriented with excellent time management and planning skills
Excellent communication skills with ability to communicate clearly, concisely, tactfully, and effectively
Ability to maintain a proactive approach to assignments and multi-task oriented
Flexible, resourceful, and energetic with excellent research and presentation skills
Exceptional creativity with ability to manage multiple tasks and prioritizes work to meet deadlines
A competitive winning spirit that understands the team concept
Ability to work through situations and find win-win solutions
Ability to establish and maintain effective working relationships with co-workers, customers, and representatives of other departments
Ability to work in a fast paced, high volume environment, and must be adaptable to change
Benefits
Medical, Dental, Vision and Prescription Coverage
401(k) Retirement Plan
Employee Stock Purchase Plan
Life Insurance and Flexible Spending Account
Paid Time Off, Vacation and Holiday Pay
Tuition Reimbursement
Employer Assisted Housing Program
Fitness & Wellness Program and Sam’ s Membership
Employee Assistant Referral Services (EAP)
Group Cancer & Accident Insurance Programs
Worker’s Compensation Program
Incentive, Awards and Recognition Programs
Training and Development Programs and much more!
Company
Citizens Trust Bank
Citizens Trust Bank provides commercial, corporate, and international banking services such as savings accounts and loans.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$0.5MKey Investors
Community Development Financial Institutions Fund
2023-04-10Grant· $0.5M
2022-09-20Acquired
Leadership Team
Frederick L. Daniels, Jr.
Executive Vice President, Chief Credit Officer
Farrand Logan
EVP / Chief Lending Officer / Director of Sales and Business Development
Recent News
2025-03-08
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