Senior Loan Officer with (DNB FIRST) **IMMEDIATE HIRE**

For over 150 years, DNB First has been helping individuals, families, and businesses, reach their financial goals. As the oldest national bank in the Philadelphia region, we’re committed to helping build businesses, dreams, and stronger communities for us all. With branches throughout Chester, Delaware and Philadelphia counties, you can count on us to be here to support you – today and tomorrow.

At DNB First, we strive to deliver a unique banking experience that offers you –

• A full line of solutions to meet all your financial goals. We offer a comprehensive menu of products and services in personal banking, business banking, and wealth management.
• Financial strength and stability. Our sound financial management practices and prudent decision making have allowed us to remain strong for the customers and communities that rely on us.
• Local people invested in your success. When you bank with DNB First, you will have access to a knowledgeable team of professionals who live and work in your community.
• A strong track record of philanthropy. DNB First is dedicated to reinvesting in our communities. Whether we are providing support to non-profit organizations or employee volunteers at local events, DNB First is dedicated to improving the great communities that we’re so proud to call our home.

DNB First provides excellence with a community focus in Chester, Delaware and Philadelphia counties. We invite you to discover all we can offer you – right here – at DNB First.

Reports to the Director of Residential Mortgage & Consumer Lending. Compensation is commission based with drawl.

• Establish, develop and maintain client referral relationships with Realtors, Builders, Developers, CPA’s, Financial Planners and make calls on potential or existing customers in order to develop new business and/or retain existing business.
• Keep informed local real estate market trends, changes and developments.
• Be aware of what competitors are doing.
• Keep up-to-date with changing rules, regulatory regulations and FNMA, FHLMC and FHA guidelines in addition to other investors and agency requirements.
• Keep informed of all origination, processing, appraisal, underwriting and closing requirements for both the Bank and various investor guidelines pertaining to both governments insured and privately insured mortgages.
• Ability to negotiate price, term and conditions with mortgages.
• Coordinate customer interaction and interface with all parties involved on each individual loan that is originated from application to closing including, but not limited to:

• Counseling and pre-qualifying potential homebuyers;
• Taking complete and accurate loan applications;
• Obtaining all necessary support documents along with the appropriate fees and lock-in information;
• Overseeing the loan process by monitoring loans status and ensuring conformity with term;
• Assisting in collecting additional documents and promptly communicating loan status to all interested parties;
• Obtaining loan documentation after closing as directed by corporate or senior management. * Maintain a professional image and standards consistent with company policies and procedures.
• Follow through on all professional conditions and education requirements for state licensing.
• Adhere to organizational procedures for loan processing.
• Participate in department meetings that require attendance.
• All other duties that may be assigned by the Director of Mortgage Operations.

JOB REQUIREMENTS:

• College degree or high school diploma with 5 years residential mortgage origination experience.
• Computer aptitude/experience
• Mathematical aptitude
• Knowledge in basic lending and credit markets
• Strong oral, verbal, and written communications skills.
• Ability to work well under pressure and time deadlines as well independently.
• Demonstrated abilities in the areas of problem solving, analysis, and time management.
• Interpersonal skill that forge professional relationships and support teamwork.
• Desire to be the best.

The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Physical demands: While performing duties of job, employees are occasionally required to stand; walk; sit; use hands to handle, or feel objects, tools, or controls; reach with hands and arms; talk and hear. Employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

Work environment: The noise level in the work environment is usually moderate to high

Job Type: Full-time

Required education:

• High school or equivalent

Required experience:

• Loan Officer: 5 years
• Residential Mortgage: 5 years