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Mortgage Loan Officer

Company: Availa Bank
Location: Omaha
Posted on: May 28, 2023

Job Description:

Availa BankDescription:** This position is not remote and will work in our Council Bluffs, Iowa Mall location.**Applicants must be authorized to work for ANY employer in the United States. We are unable to sponsor or take over sponsorship of employment Visa at this time.MORTGAGE LOAN OFFICER POSITION SUMMARYThe primary responsibilities of the Mortgage Loan Officer are to generate, negotiate, underwrite, and coordinate the origination and closing of mortgage loans in compliance with the bank's lending policies and procedures. Within the portfolio managed, the Loan Officer will be responsible for credit decisions (within authority guidelines), overall credit quality, and fee income.Requirements:MORTGAGE LOAN OFFICER PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES

  • Originates all loan applications within an acceptable customer service and regulatory timeframe
  • Analyze credit applications and propose appropriate mortgage solutions/products to meet customer financial needs
  • Maintain loan quality by striving for low incidence of incomplete documentation or regulatory violation
  • Help the bank attract new customers and deepen relationships with existing customers through active involvement in the community and through participation in the bank's customer service and sales efforts
  • Adheres to bank policy, procedures and all lending laws and regulations
  • Work with customers through difficult/complicated issues that may arise
  • Handle collections on delinquent loans; monitor the quality of existing loans
  • Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages
  • Develops and maintains contacts with local real estate agents, attorneys, developers, and builders to promote and encourage the use of bank services for residential mortgages
  • Makes recommendations for new loan products and services
  • Site visits may be applicable for construction, real estate purchase, or refinance originations
  • Refer additional bank services and productsROLE QUALIFICATIONSEducation
  • Bachelor business degree or equivalent experienceExperience
    • One to three years in the banking or lending environment preferred but not requiredOther Skills and Abilities
      • Sound knowledge of loan policies and procedures including Fannie Mae
      • Strong background, or an ability to learn, mortgage lending principles and programs, technicalities, and compliance
      • Strong math skills; add, subtract, multiply and divide in all units of measure
      • Exceptional oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, understand procedures, write reports and correspondence, speak clearly to customers and employees
      • Exceptional organizational and time management skills; ability to function well in a fast-paced environment
      • Proficient Microsoft Office skills (to include Word, Excel, PowerPoint and Outlook) and Adobe PDF
      • Assumes a leadership role in community projects and activities
      • Accepts a leadership role within the bank and participates in bank promotions and activities
      • Must have a valid driver's license and reliable transportationPM21PI216735445

Keywords: Availa Bank, Omaha , Mortgage Loan Officer, Other , Omaha, Nebraska

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