Mortgage Loan Officer

The Mortgage Loan Officer is responsible for developing residential mortgage business by building trusted relationships with homebuyers, realtors, builders, financial professionals, and community partners. This individual will advise borrowers throughout the mortgage process, structure financing solutions based on each customer’s needs, and collaborate closely with Choice’s mortgage operations team to deliver a responsive and transparent lending experience. The successful candidate will be motivated to build a book of business while helping expand Choice Bank’s mortgage presence.

Responsibilities

Business Development

• Build customer relationships through the advising and servicing of mortgage loans.
• Originate, evaluate, and structure residential mortgage loan applications.
• Acquire and maintain accurate and timely data, coordination and communication with processors, underwriters, closers and customers throughout the pipeline process.
• Develops and maintains referral and industry networks including but not limited to realtors, builders and real estate professionals, and other business development contacts.
• Achieve monthly, quarterly, and annual profitability and performance standards.
• Cross-selling of additional Choice Financial services.
• Network and represent Choice Financial in the community, economic, and business development.
• Proactively manage assigned loans and partnerships to support timely closings.

Compliance

• Stay abreast of compliance changes, certifications and regulations to assure compliance.
• Maintain knowledge of the changing rules and regulations pertaining to both private and government-insured mortgages.
• Assures controls, guidelines, documentation and procedures are followed for secondary market pricing and expirations.
• Contains knowledge of bank and insurance (conventional and/or government lending guidelines) products and services.

Other General & Administrative

• Submits application forms to processing for verification of application information.
• Communicates with applicants or other persons to resolve questions, documentation needs, qualification concerns, and credit decisions.
• Contains knowledge and complies with policies and procedures and industry changes.
• Performs duties outside normal scope as assigned.