Loan Officer

 Originates mortgage loans using a variety of resources.  Consults and counsels with customers to provide financial advice and qualify prospective borrowers for the appropriate loan program.

 

ESSENTIAL FUNCTIONS AND MAJOR RESPONSIBILITIES:

1. Originates mortgage loans using a variety of resources:personal contacts, realtor referrals, website visitors, etc.

2. Analyzes and screens loan requests on varied types of residential mortgage loans and prepares loan application. Counsels and discusses loan programs, fees, discount points, and interest rate with client.

3. Interviews applicants to develop credit and financial information in order to determine maximum loan available to client.

4. Works with underwriter, processor, funder and closer and follows the transaction through to its conclusion.

5. May aid in providing local realtors with information regarding loan programs and assist realtors' customers.  Keeps realtor informed as to status of a client?s loan being processed.

 

JOB SKILLS AND KNOWLEDGE:

1. Strong sales aptitude

2. Team player

3. People oriented, outgoing personality

4. Strong analytical skills

5. Ability to use a computer and Windows-based software without assistance for the purpose of word documents, spreadsheets and records maintenance

6. Ability to use, or to learn to use, Interlinq, Mortgageware, or similar mortgage loan processing software

7. Ability to effectively relate to co-workers, customers, and vendors using good verbal and written communication skills

8. Ability to work independently under general instructions

9. Ability to organize and prioritize assignments, manage, and perform multiple tasks

10. Detail oriented and able to meet strict deadlines

11. Ability to perform basic math

12. Must have a car and a valid driver?s license

13. Ability to speak a second language is a plus.