[Hiring] Mortgage Loan Officer @ChoiceOne Bank

Role Description

As a Mortgage Loan Originator, you will procure new mortgage transactions for the Bank. The originator’s primary responsibility is to bring new mortgage loan business to the bank. Responsibilities include:

• Taking qualified and complete loan applications.
• Collecting the requisite supporting documentation.
• Submitting loan packets to the bank’s production office.
• Maintaining client contact to assist production with clearing stipulations to affect the eventual loan closing.
• Soliciting realtors, builders, and other partners to establish business relationships.
• Soliciting all types of residential mortgage loan prospects.

Reports To: VP Head of Loan Operations

Qualifications

• Thorough knowledge of the lending function.
• General Accounting knowledge.
• Ability to perform minimal data entry.
• Ability to handle multiple tasks simultaneously.
• Ability to meet established deadlines.
• High School Diploma or equivalent.
• Bachelor's Degree in business-related major preferred.
• Five (5) to seven (7) years of progressively more responsible job-related experience to be familiar with all lending functions and regulatory requirements.
• NMLS Registration.

Requirements

• Proactive business development.
• Accept mortgage loan applications and interview loan applicants according to policies, procedures, and guidelines established by ChoiceOne, regulatory agencies, and other appropriate entities.
• Keep informed of market conditions and competitive interest rates.
• Continually review journals, articles, publications, and other material to review regulatory and legal changes pertinent to their area of lending.
• Understand the loan underwriting standards.
• Maintain compliance with all applicable laws and regulations concerning their job function.
• Make sales calls and actively sell appropriate products and services to existing and potential clients.
• Sales planning.
• Assist clients and co-workers with client relationship needs.
• Develop relationships and knowledge which encourage referrals and synergies with co-workers.
• Develop partnerships with commercial, consumer, investment, and insurance divisions.
• Participate in staff meetings, including communication of information to staff members.
• Attend meetings as deemed appropriate.
• Involvement in marketing of products, services, and promotions related to mortgage loan campaigns and marketing efforts of the organization.
• Take appropriate actions necessary to remain abreast of and adhere to all applicable banking/consumer regulations.
• Develop rapport and utilize communication skills in dealing professionally with internal and external clients.
• Additional responsibilities as assigned.
• Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act.
• Complete all required reports related to those acts and report any observed violations or potential violations to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

Benefits

• Must be able to lift 25 lbs.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Ability to work in an office environment which may include many hours of computer and telephone usage.
• This position is remote-eligible on a full-time basis.