Community Development Mortgage Loan Officer
Employment Type: Full-Time
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Position:: Mortgage Loan Originator (Officer)
Physical Location: 4890 Bayou Boulevard, Pensacola, FL 32503
Reports To: Regional Mortgage Loan Manager
Working Conditions: Normal, no adverse or hazardous conditions
Job Group Category: Non- Exempt (eligible for overtime)
Under general supervision, the mortgage loan officer is responsible for originating new mortgage loan business for the bank by working with Realtors, Builders, past clients, and other referral partners.
This Mortgage Lender will be responsible for participating in the Pensacola area Community Reinvestment Act lending activities by making joint calls with the Bank CRA Coordinator and be responsible for community outreach in our low to moderate income areas.
Principal Duties and Responsibilities: ■ Solicit business from potential and existing customers (outside and inside business location). ■ Interviews loan applicants and processes loan applications for both purchase and refinance transactions. ■ Counsel borrowers about various loan programs and help them to select the program that best fits their financial goals and needs. ■ Assist the loan processor in gathering the necessary documents from the customer to prepare for underwriting. ■ Works closely with the processor and underwriter to address any underwriting issues and get closed. ■ Manages a large pipeline of loans including meeting closing deadlines, submitting loans to compliance, and making sure their pipeline meets the bank's requirements. ■ Provides and maintains a professional, business-like atmosphere within the organization. ■ Represents the financial institution in public relations activities and community affairs. Job Specifications: ■ Thorough understanding of all loan programs and closing costs. ■ Have a good understanding of FHA, VA and conventional underwriting guidelines for all loan investors. ■ Must be able to meet strict time deadlines and work independently under pressure. ■ Must be detailed oriented and able to follow set guidelines. ■ Possess ability to sell oneself to potential customers and referral partners. ■ Excellent written and verbal communication skills. Disclaimer The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information or any other status protected under applicable local, state or federal nondiscrimination laws.