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Mortgage Loan Officer

Company: One American Bank
Location: Sioux Falls
Posted on: August 6, 2022

Job Description:

Job DescriptionJob SummaryThe Mortgage Loan Officer is responsible for origination and loan productions of real estate mortgage loans, in accordance with established lending practices. The ultimate goal is to achieve profitable loan growth and profitable loan production, while providing excellent customer service.Duties and ResponsibilitiesProvide high quality customer service.Interview potential and current clients to understand their lending needs, including purchases and refinances.Originate high quality loans that are within lending policies and operating policies.Develop relationships with customers, real estate professionals, builders, and other business referral sources to promote One American Bank growth and profitability.Collect and analyze financial data, while understanding the underwriting requirements to negotiate credit terms effectively. Inform prospective and existing customer of appropriate programs, rates, policies, and loan procedures.Maintain awareness of real estate rates and products available at One American Bank.Ensure accurate, complete, and timely loan data in the loan processing system.Review exception reports to ensure all tasks are completed and Loan is on target to meet Closing Expectations.Proactively communicates loan status to the borrower, real estate agent or builder.Manage Conventional, VA, FHA, and Down Payment Assistance loan programs, refinances, and purchase products.Respond to and resolve customer service requests according to One American Bank policies in a prompt, efficient and courteous manner at all times.Other duties/tasks as assigned. QualificationsHighly proficient communication skills, written and oral with customer-service focus.Detail-oriented and extremely well organized with the ability to handle multiple projects simultaneously and work with limited supervision, exercising own initiative and judgment.Effective time-management skills to deliver work on time.Excellent computer skills.Mortgage industry experience.Excellent critical and analytical thinking, problem solving, mathematical skills, and sound judgment.Thorough understanding of FHA, VA, Fannie Mae and other types of construction and conventional loans including a strong understanding of the mortgage loan process, including secondary market loans.Knowledge of core banking systems and related banking software programs.Proficient with Microsoft Office Suite or related software. Advanced Skills/Abilities:Recent experience in both broker and correspondent mortgage channels.Bilingual. Education/Experience:Bachelor's degree in Finance or Business Administration preferred.One to three years of prior experience in lending or related field preferred.Physical Requirements:Prolonged periods sitting at a desk and working on a computer.Must be able to lift up to 15 pounds at times.

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Keywords: One American Bank, Sioux Falls , Mortgage Loan Officer, Other , Sioux Falls, South Dakota

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