Mortgage Loan Officer

Mortgage Loan Officer

At SmartBank, our benefits package is designed to enhance your life. You'll enjoy medical, dental, vision, life, and disability insurance, as well as a 401(k) plan with a 4% employer match. Our generous paid time off (PTO), SmartFlex Days, and 11 Paid Company Holidays promote work-life balance. Engage in paid community involvement, enjoy company apparel, and access tuition reimbursement for your growth.

SmartBank is rooted in our core values : Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our team lives and breathes these values to fulfill our core purpose : creating "WOW" experiences for our clients. For over 15 years, we've been delivering on this purpose in Tennessee, Alabama, and Florida, and we're continuously expanding our reach. Our team is empowered to care for our clients and actively participate in the communities we serve. At SmartBank, we prioritize individual needs, set high expectations, and celebrate achievements that's the SmartBank way.

Your Role as a Residential Lender :

• Upholds SmartBank Core Values and Core Purpose.
• Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart. Actively participates in mortgage department meetings and geographic market meetings.
• Works in the community to create a brand awareness through outside sales.
• Attends events throughout the markets they support to increase brand awareness.
• Solicits first mortgage loans. Informs prospective loan clients of the financial institution's underwriting guidelines and applicable secondary market guidelines.
• Accepts online applications and interviews loan applicants by phone or in-person.
• Completes each loan application and all pre-processing functions in a timely manner to permit the disclosures to be sent out within the required three-business day period.
• Works with loan processor in gathering requested documents and necessary signatures for loan files.
• Orders credit reports and analyzes the credit history of applicants to determine their loan repayment capabilities. Completes appropriate underwriting documentation for each loan file.
• Submits loan to AUS for initial approval.
• Ensures maintenance of consistent file management, documentation and loan administration practices.
• Attends loan closings at various locations in the community they serve.
• Actively markets SmartBank's mortgage products and services to realtors, builders, CPA's, financial planners, title companies, etc. to solicit mortgage business. Completes weekly sales call reports and pipeline reports in a timely manner.
• Handles mortgage loan inquiries (cold calls) generated from advertising sources, customer referrals, etc. for assigned territory by visiting potential clients in the field.
• Cross-sells all other bank products when warranted and appropriate.
• Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
• Performs other duties as assigned.

Position Requirements and Qualifications :

Education :

Training Requirements (licenses, programs, or certificates) :

Knowledge, Skills, and Abilities :

Work Conditions :

SmartBank Associate Benefits :

Are you ready to be a part of the SmartBank team and experience all these incredible benefits? We look forward to welcoming you to our exceptional team!