Scott State Bank is seeking a Mortgage Loan Officer to join its lending team and meet the borrowing needs of consumers in its communities. This position is responsible for originating, developing and managing mortgage and other consumer loan relationships by providing excellent customer service, guiding applicants through the loan process and building strong relationships within the communities Scott State Bank serves.
Responsibilities
The responsibilities listed below are intended to describe the general nature of work performed. Additional duties may be assigned.
- Generate residential mortgage loans and other consumer loans through prospecting, referrals and community networking.
- Meet with prospective borrowers to analyze financial and credit data, determine financing objectives, recommend appropriate options and gather any additional required information.
- Provide detailed follow-up with borrowers and meet with applicants during various stages of the loan process.
- Manage and oversee individual loan portfolio and maintain asset quality, including overseeing and processing delinquent loans according to policy.
- Required to register as a Mortgage Loan Originator in compliance with the SAFE Act.
- Develop and maintain relationships with realtors, builders, developers, attorney, accountants, community organizations and bank partners.
- Represent Scott State Bank at community events, networking functions and professional groups.
- Participate in and complete required training and professional development associated with job function.
Qualifications and Requirements
- Bachelor's degree in Accounting, Finance, Business Administration preferred or advanced training equivalent to two or more years in a financial institution or loan setting.
- Previous experience in mortgage servicing/lending preferred.
Skills and Competencies
- Strong interpersonal, communication and relationship building skills.
- High attention to detail and documentation accuracy.
- Ability to maintain confidentiality and demonstrate professionalism.
- Self-motivated and organized with strong time management skills.
- Strong analytical skills to conduct loan analysis with consideration to market trends, credit/interest rates, economic conditions, and other factors.
- Ability to work independently while collaborating across departments.
- Knowledge of Scott State Bank policies and procedures as well as state and federal laws and government regulations related to position.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
Pay: $50,000.00 - $80,000.00 per year
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Employee assistance program
- Flexible spending account
- Health insurance
- Health savings account
- Life insurance
- Paid time off
- Tuition reimbursement
- Vision insurance
Education:
Experience:
- Consumer Lending: 2 years (Required)
- Mortgage Lending: 1 year (Preferred)
Language:
Work Location: In person
