Mortgage Officer

• Meet with customers and provide personalized recommendations for suitable mortgage products based upon their financial situation, mortgage needs, and goals.
• Assist customers in completing mortgage loan applications, ensuring all required information is accurately provided. Guide customers through the application process, explaining each step and addressing concerns.
• Obtain all necessary documentation to process loan requests, including credit reports, income verification, appraisals, and title work. Ensure all information is complete and accurate. Ensure all information is complete, accurate, and submitted in a timely manner.
• Analyze customers' financial data, including income, credit history, and property value, to make informed credit decisions on portfolio real estate products. Use financial analysis tools and software to assess risk and determine loan eligibility.
• Prepare detailed and effective loan proposals that outline the terms, conditions, and benefits of the recommended mortgage products. Ensure proposals are tailored to meet the specific needs and preferences of each customer.
• Lock mortgage rates on secondary market products with investors, ensuring customers receive competitive rates. Monitor market conditions and trends to provide timely and accurate rate information to customers.
• Review all loan documentation for accuracy and completeness before submission to underwriting. Ensure all required documents are properly signed, dated, and filed. 
• Address and resolve any issues or discrepancies that arise during the loan processing and underwriting stages. Communicate effectively with customers, processors, underwriters, and other parties to resolve problems and ensure a smooth loan process.
• Monitor and manage the process for all originated loans, ensuring timely progression from application to closing. Track the status of each loan and provide regular updates to customers.
• Work closely with mortgage processors, central loan administration, mortgage underwriting, and broker relationships to facilitate smooth processing and closing of loans. Coordinate efforts to resolve any issues or delays that may arise during the loan process.
• Coordinate with all parties involved in the closing process, including title companies, attorneys, and real estate agents, to ensure a seamless closing experience for customers. Prepare closing documents and facilitate the finalization of the loan.
• Stay informed of developing trends in the mortgage industry, including changes in regulations, market conditions, and new mortgage products. Participate in industry forums, webinars, and training sessions to stay current with best practices.
• Maintain comprehensive knowledge of Conventional, Government, and Portfolio lending guidelines, ensuring all loan processes remain fully compliant.
• Understand and adhere to Federal, State, and Local regulations governing Real Estate Lending. Ensure all loan activities are conducted in compliance with applicable laws and regulations. Conduct regular reviews to ensure compliance.
• Participate in ongoing training and professional development opportunities to stay current with industry best practices and enhance skills. Pursue relevant certifications and designations to demonstrate expertise and commitment to the profession.
• Maintain and nurture relationships with referral sources, including real estate agents, financial advisors, and previous customers, to generate ongoing business opportunities. Provide excellent customer service to encourage repeat business and referrals.
• All other duties as assigned.

• High school diploma or equivalent.
• Bachelor’s degree in finance, business, economics, or a related field is an asset.
• Completion of pre-licensure courses as required by the National Mortgage Licensing System (NMLS), covering topics such as federal law, ethics, and mortgage origination.
• Effective selling and communication skills.
• Excellent written, listening, and organizational skills.
• Strong interpersonal skills to build and maintain customer relationships.
• Problem-solving skills to address customer concerns and loan processing issues.
• Effective time management and organizational skills.
• Ability to analyze data and make effective decisions.
• Proficiency in mortgage loan software and tools.
• Ability to work independently and as part of a team.
• Knowledge of financial products and services.

• Medical Insurance
• Vision and Dental Insurance
• Short-term Disability, Life and AD&D Insurance
• 401K Plan