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Mortgage Loan Officer

Company: Enterprise Bank & Trust
Location: Olathe
Posted on: August 4, 2022

Job Description:

Enterprise Bank & Trust was founded in the spirit of entrepreneurship and community. From the small mom-and-pop coffee shop to the large construction company that employs local people, our goal is to help businesses succeed and our communities thrive. With offices in Missouri, Kansas , Arizona, California, New Mexico and Nevada, we're strong, growing and committed to supporting the communities we serve. We extend this commitment to the community to our associates, offering annual paid volunteer time off and charitable-matching opportunities. Voted A Best Bank to Work For by American Banker for multiple years, we offer our associates an array of benefits and the opportunity to chart their own career path with us. Join us in the pursuit of our mission to guide people to a lifetime of financial success, and enjoy a career filled with professional growth opportunities, interesting colleagues and the satisfaction of supporting our communities. Together, there's no stopping you.

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Mortgage Loan Officer
Job Description

Summary:

This position is responsible for originating conventional and government residential mortgage loans, as well as other consumer loans and HELOCs to clients who qualify based on assessment on financial and credit information.

Essential Duties and Responsibilities:

  • Manages and leverages in-house referrals to engage in refinance and purchase opportunities. Follows up on leads to consult with clients to determine their needs, identify best financing options and pre-qualify as required.
  • Originates residential mortgages and participates in related business development activities. Maintains quality and production goals set by leadership. Works towards achievement of branch and individual sales and referral goals.
  • Partners with branch staff to complete consumer lending loans, including HELOCs.
  • Provides outstanding customer service to customers seeking residential mortgage and consumer loans. Answers inbound calls, makes outbound calls, handles customer inquiries and answers customer questions.
  • Interviews applicants to obtain information concerning their needs and pertinent financial and credit data.
  • Educates and advises clients on the home buying process. Ensures exceptional client experiences with ongoing communication throughout the entire loan process.
  • Conducts basic analysis and income calculations for loan qualifications. Processes borrower credit, income and asset information through the Loan Origination System. Structures loans for borrowers, while maintaining and in-depth knowledge of conventional and government programs.
  • Works closely with loan coordination to ensure all documentation is obtained as the loan moves through the process to closing.
  • Attends Consumer Branch meetings to educate staff on Mortgage and encourage referrals.
  • Utilizes internal marketing resources and social media tools to target prospects and foster ongoing relationships with closed customers.
  • Performs all duties in accordance with the company's policies and procedures, and all applicable U.S. Federal and State laws and regulations.
  • Stays informed on trends and developments in the local real estate market, as well as changing rules and regulations pertaining to both conventional and government mortgages.

    Qualifications:
    • Positive attitude and pleasant interpersonal skills
    • Attention to detail
    • Strong communication skills, both verbal and written and including in-person and via telephone.
    • Ability to set and meet priorities. Ability to work in a fast-paced environment.
    • Knowledge of financial statements and tax return forms
    • Knowledge of documents needed for mortgage or various consumer type loans
    • Professional appearance and demeanor for interaction with public
    • Ability to maintain good conversational skills with customers who are insincere or difficult
    • Knowledge of bank policies, procedures, regulations, forms, departments, and products

      Supervisory Responsibilities:
      • None

        Education and/or Experience:
        • High School diploma. Bachelor's degree preferred. Degree in financial, sales, marketing, or business fields preferred.
        • Minimum two years' experience as a mortgage loan officer or a similar role.

          Computer and Software Skills:
          • Microsoft Office Suite
          • Salesforce

            Certificates, Licenses and Registrations:
            • NMLS required

              Additional Information:

              Local travel is required. Typical work hours are daytime hours Monday-Friday. During time of heavy loan volume, overtime may be necessary. For cross training, teamwork, or scheduling needs, a Consumer Loan Officer may be asked to work at any branch location.

              Equal Opportunity Statement

              Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources at ...@enterprisebank.com .

              Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live. We are proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability. All employment offers are contingent upon the applicant successfully completing both drug and background check screenings. If you would like more information about your EEO rights as an applicant under the law, please download the Equal Employment Opportunity is the Law poster HERE . Associated topics: collections officer, document, file, financial record, loan clerk, loan collections, loan interviewer, mortgage clerk, verify, verification

Keywords: Enterprise Bank & Trust, Olathe , Mortgage Loan Officer, Other , Olathe, Kansas

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