Job Description:

Office Location:

Aledo, Texas, United States

SCOPE/CONTACTS: Incumbent is responsible for providing In-House Mortgage Loans and Secondary Market Mortgage Loans to consumers.  The incumbent has extensive contacts on a daily basis with Bank customers and personnel as well as outside contact with real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities to insure a competitive product that meets the customer's needs.

ESSENTIAL FUNCTIONS:

• Proactively solicits new prospects for residential mortgage secondary market loans through contacts and referrals with Bank customers, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities;
• Conducts interviews with prospective borrowers in order to analyze financial and credit data to determine customer financing objectives; 
• Advises customers of product/pricing policies and guidelines and gathers any additional required information;
• Continually identifies, develops and maintains a quality network of personal and business relationships that serves as a recurring source of referrals for new mortgage lending opportunities;
• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements;
• Demonstrates a commitment to professional ethics.
• Participates in job specific training and other various bank training programs as required.
• Complies with all Federal and State Laws and Regulations including BSA, AML and all bank policies and procedures.
• Other duties as assigned.
• Actively participate in the sales and service culture, support the values of the organization and follow established Bank policies and procedures.

MINIMUM QUALIFICATIONS:

• High school graduate or equivalent
• Six years mortgage experience are required.
• Working knowledge of mortgage lending, laws/regulations procedures and be familiar with FNMA, FHLMC, FHA and VA regulations and guidelines as well and other loan programs offered.
• Incumbent must be able to work with little supervision.
• Effective oral communication and interpersonal skills are essential.
• Professional demeanor is also essential.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job.