MORTGAGE LENDER

Description

Provide quality service to customers in specified lending areas, i.e., consumer, mortgage and/or commercial (with emphasis dependent upon position). Must make sound decisions based on information obtained. Needs to fully understand the lending process and applicable rules and regulations.

Requirements

ESSENTIAL FUNCTIONS:

· Position is weighted to lending area, but not limited to.

· Meet with customers to discuss the best financing for their needs.

· Responsible for soliciting, originating, analyzing, underwriting and coordinating the closing of consumer, residential, and small commercial loans as defined by position in compliance with the Bank’s lending policies and procedures. Must be well versed in policies, procedures and processes, i.e., applications, credit reports, title work, flood report, etc.

· Implements programs. Assists in attaining Bank goals through active participation in officer call programs.

· Must be able to effectively cross sell Bank products and generate business to further develop account relationships.

· Miscellaneous duties include various operational functions, i.e., branch management, compliance, security and other responsibility. Must ensure that all Bank policies and procedures are enacted by employees.

· Effectively serve on internal committees as assigned and external committees as determined.

· Assist Loan Recovery staff with collection activities as necessary.

· Assume and accomplish other duties as directed or self-initiated.

REQUIREMENTS:

· Position requires effective decision-making, with good interpersonal skills to work with customers, the community and employees. Must possess full knowledge of Bank lending procedures and policies, products and services, as well as knowledge of computers/programs.

· Professionalism must be exhibited and confidentiality respected at all times.