Job Description

Interviews applicants and requests appropriate credit documentation and specified information for loan application.
Analyzes applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
Compiles upfront compliance information and assures timeline requirements are met.
Answers applicant questions
Corresponds with applicant to resolve questions regarding application information.
Matches applicant's needs and qualifications with potential loan programs.
Ensures loan meets selected program guidelines.
Submits loan package to Processor for processing in a timely manner.
Works closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines.
Inform applicants of loan approval, denial or outstanding conditions.
Handles correspondence with applicant in regards to locking of loan and handles actual locking process in accordance with current company procedures and requirements.
Provides excellent customer service and solves customer related problems quickly.
Maintains and enhances market awareness including economic information, housing data and competitive trends; based on this information, helps develop programs or recommends product enhancement to address customer needs.
Maintains and enhances personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.
Establishes and maintains positive working relationships with Realtors, Business Partners and any other potential business sources. Supports and cultivates bank referrals and relationships.
Communicates with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image.
Perform other duties when assigned.

High School Diploma and commitment to continuing job related course work.
Two (2) years of loan originating with proven ability to support a pipeline of twenty loan applications per month.
Working knowledge of prequalification principles and practices OR two (2) years of processing experience.
Strong sales skills.
Basic computer knowledge including CALYX, Microsoft Word, Excel, and a general understanding of the Internet; basic math ability; basic Accounting/bookkeeping skills; ability to use a financial calculator.
Must be detail oriented; have the ability to prioritize; possess solid organizational and time management skills; and have solid problem solving and decision making skills.
Solid written and verbal communication skills are a must.
Must be able to work independently and handle multiple priorities under deadline pressures and time restraints.
Must strive for and consistently achieve customer satisfaction.

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