Loan Officer Originator

Company: First Mutual Bank
Location: Parkersburg
Posted on: October 17, 2024

Job Description:

Description:The Loan Officer is responsible for originating mortgage loan, HELOC and consumer applications.Requirements:Duties and Responsibilities:

• Originates loans by talking with customers and by contacting realtors, builders, etc.; engages in sales efforts at the customer's home or place of business and away from the bank's place of business or any office maintained for loan production business purposes.
• Responds to customer/contact inquiries regarding the association's loan products and customer's applications.
• Keeps up-to-date on government regulations and the association's policies and procedures regarding lending; participates in compliance training and banking regulations for industry.
• Knows, understands and complies with current fair lending laws and bank policies and procedures; addresses same at all times.
• Makes an underwriting decision on each loan within their lending authority; for those above that level or for exceptions to lending policies the file referred to the VP Lending Operations Officer and/or President CEO to make the decision as outlined in policy and procedure.
• Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner, sets expectations; develops performance metrics; measures vendor performance, provides feedback and hold accountable.
• Other duties as required.Necessary competencies:
• Adaptability
• Communication skills
• Customer service
• Interpersonal skills
• Job knowledge
• Judgment
• Leadership
• Planning and organization
• Staff developmentTechnical Expertise
• Experience in mortgage lending is required.
• Experience with lending laws, regulations, and guidelines are required.
• Experience in customer service is required.
• Experience in financial services or banking is preferred.
• Proficiency in MS Office [Outlook, Excel, Word] or similar software is required. Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred. CRM software is preferred.Education and Experience
• Education: High School Diploma is required Bachelor's degree in Marketing or Communications is preferred
• Certification: NMLS is required.
• Years of experience: 3 to 5 years as a Loan Officer [Originator] is required.Physical Environment

• While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.
• The employee must occasionally lift and/or move up to 25 pounds.
• The noise level in the work environment is usually quiet to moderate.
• This position is customarily and regularly performed outside of an office setting and hours of work are not structured. To be determined between the Loan Officer [Originator] and the VP Lending Operations Officer
  
  
  
  
  
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Keywords: First Mutual Bank, Huntington , Loan Officer Originator, Other , Parkersburg, West Virginia