Mortgage Loan Officer- Des Moines Area
On-siteDes Moines, Iowa, United States
Des Moines, Iowa, United StatesOn-siteFull TimeMedium
Full TimeMedium
Job Summary
Interview mortgage loan applicants, assist members with electronic applications, and collate borrower financial data to evaluate character, collateral, capacity, and credit. Calculate debt-to-income ratios, recommend loan pricing and terms, and process documentation for underwriting. Correspond with applicants and creditors to resolve inquiries, notify members of decisions, and manage loan closings. Visit community contacts to promote services and solicit new lending business while building relationships to meet set goals. Perform prospect and delinquency calls, ensuring all activities comply with policies and regulations.
Required Qualifications
- High School Diploma
- Have access to transportation on demand to be able to travel to client and vendor appointments out of office as needed
- This position may include frequent driving; a driving record review is required
- Knowledge of the mortgage loan application process and consumer credit
- Ability to collate and analyze individual borrower financial information
- Evaluation of information, and ability to make recommendations regarding loan pricing, structure, amounts, and terms as appropriate
- Ability to recommend loan approvals, denial, and counteroffers based upon analysis of individual facts and circumstances
- Ability to build rapport, explaining product features & benefits, and persuasively communicate
- Skills in developing business
- Sound PC computing skills, including MS-Office and loan application software
- Strong problem-solving skills
- Ability to build credibility and trust
- Prior experience gathering data, analyzing customer financial information, and making financial product recommendations
- Previous business development/networking experience
- Previous Mortgage/Consumer Lending, Banking, or Sales experience
- Experience working in a face-to-face customer service/sales environment
- A record of success in meeting set, external business goals
Desired Qualifications
- College Degree in Business Administration, Marketing, Sales, or Finance desired
- Previous consumer lending experience at Marine Credit Union preferred
- Experience building networks of community/industry contacts to support business goals a plus
Hiring someone like this?
Get your role in front of qualified candidates on Sorce.