Mortgage Loan Officer
On-siteSpartanburg, South Carolina, United States
Job Summary
Solicit new residential mortgage business and sell products to meet loan quality and production goals by working with realtors, builders, and branch partners to develop external leads and internal referrals. Conduct interviews with prospective borrowers to analyze financial data, determine financing objectives, and gather required information while advising on pricing policies. Manage the mortgage pipeline by inputting applications, reviewing credit data, and overseeing the loan origination process to ensure timely closing based on mutually acceptable terms. Respond to customer inquiries and referrals, cross-sell bank products, and maintain current knowledge of local real estate trends, lending programs, and regulatory requirements including HMDA and federal guidelines.
Required Qualifications
- Bachelor's degree
- 6 years of experience in mortgage lending, credit and business development
- Familiar with Conventional, FHA, USDA, VA Lending and also HUD guidelines
- Advanced financial analysts, strong credit underwriting and analytical skills
- Knowledge of conventional and/or government guidelines
- Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending
- Strong network with centers of influence including realtors and builders
- Ability to handle confidential and proprietary information
- Excellent communication skills, oral and written
- Ability to travel within specified region
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