Mortgage Loan Officer - Kilmarnock, United States - Blue Ridge Bank

Description

Position Purpose:

This position is responsible for using industry knowledge and sales strengths to find prospects, generate leads, and convert application opportunities to closed loans, performing initial file review, verifying disclosures meet program requirements, ensuring that all loan programs are compliant and underwriting guidelines are met. The ideal candidate is self-motivated, a "people person" and customer focused. The Blue Ridge branch network will provide an additional pipeline for potential leads and our experienced team will provide development opportunities.

Hybrid- On-site as needed with flexibility to work remotely.

Responsibilities:

• Generate and follow up with leads to drive loan opportunities.
• Create a marketing and sales strategy leveraging branch events to network within our communities.
• Communicate Approval Conditions required for Closing directly with Escrow, Realtors, Loan Officers and Borrowers.
• Manage files between LOA's, Processors, Underwriters and Closers. Serve as contact for third party vendors for loan files.
• Ability to organize and prioritize client pipeline.
• Understands loan submission process, service level expectations and can multitask.
• Current on FHA/ VA / Conventional/ Jumbo
• Maintains a positive working relationship with internal departments and external contacts.
• Documents all client conversations in loan origination software.
• Communicates and works closely with operations staff to ensure a smooth and accurate loan process.
• Maintain the highest level of customer service.
• Understand all compliance regulations and agencies: FHLMC, FNMA, FHA, VA guidelines and other Investors
• Other duties as assigned.
• Create value for the bank and its employees
• Branch resource
• Be a good teammate.
• Live our core values.

Organizational Relationship

This position reports to the Loan Officer Manager.

Position Administration

Job Code: Administrative Support Worker

FLSA: Non-Exempt

Requirements

Education and Certifications:

• High school diploma or equivalent.

Skills:

• Two (2) - Four (4) years of applicable experience.
• Valid driver's license with a clean driving background.
• Strong computer skills relevant to Microsoft Office Suites (e.g., Word, Excel, Outlook, etc.).
• Organizational skills and attention to detail.
• Strong decision-making/problem resolution skills.
• Demonstrate strong analytical and math skills, organizational skills, and customer service skills.
• Effective verbal and written skills to effectively communicate in the English language required.

Abilities:

• Ability to travel to and support the local Virginia branch network (as assigned)
• Ability to learn bank software.
• Ability to build and maintain relationships with accounts while providing exceptional customer service.
• Ability to work all branch hours, remote or in office, including weekend and evenings.
• Ability to work within a team environment.
• Ability to read and comprehend simple instructions, short correspondence, and memos.
• Ability to read and interpret documents such as procedure manuals, general business correspondence, and/or journals, or government regulations.
• Ability to deal directly with the public, on the phone or face to face, following the Bank's Customer Service Standards.

Preferred Qualifications:

None.