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Mortgage Loan Officer - Cincinnati Market
Mortgage Loan Officer - Cincinnati MarketLCNB National Bank • West Chester, OH, United States
Mortgage Loan Officer - Cincinnati Market

Mortgage Loan Officer - Cincinnati Market

LCNB National Bank • West Chester, OH, United States
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Position Description

Mortgage Loan Officer - Market (LOM)

Identifying Information :

  • Department : Mortgage Loan
  • Reports To : Gary Kohls, Vice President, Mortgage Sales Manager
  • Location : West Chester / Liberty Township - Cincinnati, Ohio Market - Hotel office in Retail Banking Centers; may work remotely on occasion
  • Status : Full-Time Salaried Non-Exempt
  • Hours : 40-hour work week; schedule as determined by Mortgage Loan Officer and production target
  • Compensation : Base salary and incentive compensation plan

Position Purpose :

LCNB National Bank is seeking a Mortgage Loan Officer within our Cincinnati Market. This position is responsible for originating real estate mortgage loans in accordance with LCNB National Bank product guidelines, and processing loans in accordance with LCNB National Bank processes up to delivery to an inside processor. The Mortgage Loan Officer's primary responsibility is to grow mortgage production outside of the branches by developing business relationships with realtors, builders and other professionals and sourcing mortgage leads from these business relationships, including any existing "book" of business the Mortgage Loan Officer may have acquired over his / her career. The Cincinnati Market Mortgage Loan Officer should continue to build this network of referrals as a continuing source of new business. As they are not assigned a Retail Banking Center, there is no defined territory. The Mortgage Loan Officer is expected to collect and review all needed supporting loan documentation and maintain a minimum standard of production and quality. The Cincinnati Market Mortgage Loan Officer is expected to comply with all consumer and real estate lending laws and requirements.

Essential Functions and Responsibilities :

  • Solicit residential mortgages from various sources
  • Develop and build relationships with realtors, builders, financial professionals, bank stores, past customers and other non-traditional sources
  • Produce high quality loans which are compliant and provide excellent customer service
  • Develop and maintain a high degree of visibility for mortgage originations, sales and business development
  • Understand and market LCNB National Bank mortgage loan products, stay informed of mortgage industry trends and developments in the assigned market
  • Understand real estate appraisals, title reports and real estate transactions
  • Review and analyze financial and credit data
  • Meet with applicants to answer questions and obtain information for mortgage loan applications
  • Collect and upload loan documentation and financial information into the loan operating system
  • Effectively learn and operate LCNB's loan origination system
  • Effectively communicate with processing and underwriting support staff
  • Maintain a high level of customer satisfaction and effectively resolve issues
  • Maintain open and effective communication channels with customers, realtors and other referral sources
  • Attend loan closings, sales and officer meetings
  • Required Qualification :

  • 2+ years of experience originating FHA, VA, USDA and conventional loans
  • High School diploma or GED equivalent
  • Desired Qualifications :

  • Existing pipeline and book of business of local referral sources
  • Existing mortgage sales of 600,000 per month
  • Experience in federal and state mortgage lending statutes, compliance, and regulatory requirements
  • Knowledge & understanding of mortgage underwriting criteria and residential lending concepts and principles
  • Experience in personal financial analysis and tax return analysis
  • Ability to think, reason and communicate clearly
  • The ability to observe and identify details at close range
  • NMLS (Obtained or transferred within 30 days of hire)
  • Strong computer skills and working knowledge of Microsoft Office Suite
  • Knowledge & understanding of credit, underwriting, credit policy and financial statement analysis
  • Knowledge of Desktop Originator (DO) and Loan Prospector (LP)
  • Ability to thrive in a high volume, fast-paced environment
  • Strong organizational and time management skills with accuracy and attention to detail
  • Ability to build and maintain positive and effective relationships with others, both internally and externally
  • Strong written and verbal communication skills with the ability to effectively communicate with associates across the bank, as well as third-party agencies
  • Strong integrity, work ethic, and ability to achieve desired production results
  • Working Conditions :

  • Ability to work outside of the office 50%+ of the time
  • Ability to travel to and from bank offices and third-party locations
  • Occasionally move / traverse to access files and equipment
  • Constantly operate a computer and other office equipment
  • Compliance Statement :

    The associate is responsible for meeting all compliance requirements imposed on LCNB bank by State and Federal law and regulations, as well as all related LCNB Bank policies and procedures. Individuals in Loan Officer positions must meet the Consumer Financial Protection Bureau qualification requirements. Incumbent must be able to perform the essential functions of the position with or without reasonable accommodation. Equal Opportunity Employer / Disability / Veterans.

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    Mortgage Loan Officer • West Chester, OH, United States

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