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Mortgage Loan Officer - TowneBank Mortgage - Carolinas

Towne Bank Mortgage Charlotte Full-Time
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Essential Functions:

  • Provides service to applicants and prospective customers seeking home loan, including interviewing, pre-qualification and pre-approval.
  • Completes application and gathers supporting documentation.
  • Reviews and completes regulatory disclosures with customer.
  • Maintains existing and generates new sources of referral business.
  • Quotes interest rates and secures pricing through the Secondary Marketing Department on behalf of the Customer.
  • Collects required application fees.
  • Inputs application data into Loan Origination Software (LOS).
  • Utilizes automated underwriting systems (AUS) to obtain credit recommendations.
  • Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties.
  • Communicates with all parties in a professional and courteous manner
  • Manages his/her pipeline of loans to verify accuracy of the current loan status.
  • Knows and abides by TowneBank Mortgage Policies and Procedures.  
  • Mentors other Loan Officers.
  • Relays to Senior Management any industry changes or trends that may be of interest to them.
  • Participates in Towne Bank, TowneBank Mortgage, and area association events.
  • If in one of our joint ventures, must actively participate in all aspects of the Real Estate Office sales meetings and office functions. Prepares Mortgage Minutes for presentation at each sales meeting.       Provides on-going training for the real estate agents (lunch and learns).   Works closely with the Broker/Sales Manager
  • Attends Loan Officer Meetings.
  • Represents the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
  • Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).

Minimum Required Skills and Competencies:

  • Must have a valid NMLS #
  • Minimum 1-year experience originating FHA, Conventional and USDA loans.
  • Proven sales record based on closed loan production
  • Currently possess sources of referral business for purchase transactions
  • High School Diploma or equivalent
  • Awareness of FNMA/FHLMC, FHA, USDA underwriting guidelines.

Desired Skills and Competencies:

  • Working knowledge of Microsoft Office products.
  • Working knowledge of Encompass origination software.

#CB
#mortgage

 

Recommended skills

Loans
Underwriting
Loan Origination
Mortgage Loans
Bank Secrecy Act
Encompass
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Job ID: MORTG01717

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TowneBank Mortgage is your hometown mortgage company. TowneBank Mortgage professionals are dedicated to providing the personal experience that you expect from a hometown bank.

Being a hometown lender means fast approval and a team of mortgage professionals who are committed to you. TowneBank Mortgage loan officers live in your communities and know the area. Our professional experience and solid business relationships with local Realtors®, builders, and appraisers are assets to you.

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