MORTGAGE LOAN OFFICER

Position SummaryResponsible for soliciting,negotiating, and assist in coordinating the closing of routine mortgageloans. Examines, evaluates, andrecommends approval of loan package. Also promotes business for Bank by developing new residential mortgagebusiness growth and cross-selling opportunities.The majority of time workedis spent out of banking offices.Essential Duties andResponsibilities (Other duties may be assigned.) Demonstrate knowledge of Bank mortgage loan productsand services. Follow bank policies and procedures, securityguidelines, and comply with all federal, state and local regulations. Includes coordinating with legal counsel andbank operating departments to ensure adherence to laws and regulations relatingto new and/or revised bank products and services. Demonstrate familiarity with underwriting guidelineswith all of the Bank's investors and programs. Support the Bank's CRA and Fair Lending initiatives. Interview loan applicants and request requiredinformation for determining a credit decision. Compile loan packages and facilitate negotiation ofloan structures with applicants, including fees, loan repayment options, andother credit terms. Conduct credit analysis to support granting loanapproval within guidelines from approving officer and/or outsourced investorguidelines. Identify and analyze potential loan markets to developmortgage loan prospects. Promote business for the Bank by maintaining goodcustomer relations and referring customers to appropriate staff for newservices using Bank-endorsed techniques and processes. Assume ownership of customer problems to achieveresolution. Serve as primary contact in responding to customer andnon-customer inquiries relative to mortgage loan products, rates, procedures,etc. Engage in marketing efforts with realtors, buildersand others to obtain new business. Efforts include but are not limited to realtor open house luncheons,meeting with customers after hours, and calling and/or meeting potentialcustomers during evening hours and on weekends per realtor request.Qualifications Bachelor's degree, or at least 3 years of relatedexperience, or an equivalent combination of education and experience. Effective oral and written communication skills. Effective interviewing skills. Ability to speak effectively before groups. Ability to compute basic to moderately complex mathcalculations. Basic problem-solving and analytical skills. Ability to interpret a variety ofinstructions furnished in written, oral, diagram, or schedule form. Proficiency in using personal computers and officeproducts (e.g., Word, Excel). Excellent customer service and interpersonal skills. Ability to work independently. Self-starter who is goal- and results-oriented.Certificates, Licenses,RegistrationsMust be licensed with NMLSprior to hire or before any mortgage loan applications may be taken.First Community Bank is an Equal Employment Opportunity employer.