Mortgage Loan Officer
On-siteMurray, Kentucky, United States
Job Summary
Originate conventional residential and government loans (FHA/VA, Rural Housing) while developing and maintaining a high-quality, fully documented loan portfolio. Solicit first mortgages through Realtors, builders, and client referrals; interview applicants to assess eligibility and analyze financial data. Negotiate loan terms, close approved loans, and monitor exceptions and delinquencies to ensure compliance with all laws and bank policies. Comply with BSA requirements, cross-sell bank services, and stay informed on local real estate market trends and regulatory changes. Call on potential and existing customers to develop new business and retain current relationships.
Required Qualifications
- Bachelor's degree or equivalent in work experience
- Minimum of two years mortgage lending experience with active NMLS number
- General knowledge of personal computers and software programs utilized by Residential Mortgage Department
- Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law
- Proven sales ability
- Strong mathematical skills
- Ability to interact with individuals at all income levels and peers in a professional manner
- Demonstrated ability to work independently and to follow through on details to completion
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