Mortgage Loan Officer- Bristol

Job description:

Job Duties and Responsibilities

• Assist borrowers in completing their applications for financing, gathering and entering complete information as needed.
• Analyze borrower qualifications to determine a prequalified loan amount while working with the borrower to identify the appropriate loan program and pricing.
• Deliver “best in class” customer service by promptly returning phone calls, answering questions, and providing education to prospective borrowers on loan product types.
• Abide by all state, federal, and local laws, including those regarding fair lending and nondiscrimination in the extension of mortgage services.
• Develop and foster internal and external client referral relationships to assist in generating an ever increasing pipeline of loan applications.
• Meet and exceed published individual and department goals for sales activity, productivity, and processing times.
• Become the client’s “trusted advisor” by demonstrating knowledge of the lending function, bank policy, and industry underwriting criteria.
• Participate as a valued Team Member, representing the bank with enthusiasm and professionalism at all times.
• Identify borrower cross-selling opportunities, delivering “warm transfers” to internal partners to support bank cross-sell goals.

Compliance

• Comply with applicable bank regulations, such as regulations governing disclosures
• Comply with applicable bank regulations, such as regulations governing currency transactions, purchase of negotiable instruments, and money laundering (BSA, AML)
• Participate in annual compliance and other job-related training
• Other duties as assigned

Skills and Competencies

• Must be compliant with the SAFE Act and registered with the Nationwide Mortgage Licensing System (NMLS).
• Strong working knowledge of underwriting guidelines for each agency, as well as bank overlays for portfolio business.
• Excellent written and oral communication skills.
• Ability to manage time extraordinarily well.
• Excellent presentation and public speaking skills.
• Familiarity with Microsoft Office.

Education and Experience

• High school diploma or GED required; college degree preferred.
• Minimum of two years’ previous experience in a sales oriented environment, with proven track record of success, required; network of established referral sources preferred.

Penn community Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.