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Mortgage Loan Officer- Bristol
Mortgage Loan Officer- BristolPenn Community Bank • Bristol, PA, United States
Mortgage Loan Officer- Bristol

Mortgage Loan Officer- Bristol

Penn Community Bank • Bristol, PA, United States
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Job description :

Job Duties and Responsibilities

  • Assist borrowers in completing their applications for financing, gathering and entering complete information as needed.
  • Analyze borrower qualifications to determine a prequalified loan amount while working with the borrower to identify the appropriate loan program and pricing.
  • Deliver "best in class" customer service by promptly returning phone calls, answering questions, and providing education to prospective borrowers on loan product types.
  • Abide by all state, federal, and local laws, including those regarding fair lending and nondiscrimination in the extension of mortgage services.
  • Develop and foster internal and external client referral relationships to assist in generating an ever increasing pipeline of loan applications.
  • Meet and exceed published individual and department goals for sales activity, productivity, and processing times.
  • Become the client's "trusted advisor" by demonstrating knowledge of the lending function, bank policy, and industry underwriting criteria.
  • Participate as a valued Team Member, representing the bank with enthusiasm and professionalism at all times.
  • Identify borrower cross-selling opportunities, delivering "warm transfers" to internal partners to support bank cross-sell goals.

Compliance

  • Comply with applicable bank regulations, such as regulations governing disclosures
  • Comply with applicable bank regulations, such as regulations governing currency transactions, purchase of negotiable instruments, and money laundering (BSA, AML)
  • Participate in annual compliance and other job-related training
  • Other duties as assigned
  • Skills and Competencies

  • Must be compliant with the SAFE Act and registered with the Nationwide Mortgage Licensing System (NMLS).
  • Strong working knowledge of underwriting guidelines for each agency, as well as bank overlays for portfolio business.
  • Excellent written and oral communication skills.
  • Ability to manage time extraordinarily well.
  • Excellent presentation and public speaking skills.
  • Familiarity with Microsoft Office.
  • Education and Experience

  • High school diploma or GED required; college degree preferred.
  • Minimum of two years' previous experience in a sales oriented environment, with proven track record of success, required; network of established referral sources preferred.
  • Penn community Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

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    Mortgage Loan Officer • Bristol, PA, United States

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