Mortgage Loan Officer - Central Pennsylvania Market

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.


• 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 HomeSale 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 HomeSale Mortgage association events.


• 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 2-years' experience originating


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  Self-motivated professional with a proven ability to quickly establish and maintain strong referral partner relationships
  
  


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  Demonstrated commitment to delivering exceptional customer service
  
  


• 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, VA and VHDA underwriting guidelines.  

Desired Skills and Competencies:

• Working knowledge of Microsoft Office products.


• Working knowledge of Encompass software.