Job Description

Job Location Hoover Branch - Hoover, AL 35244

The Mortgage Loan Officer is responsible for helping customers achieve their homeownership and financial goals by providing expert guidance throughout the mortgage lending process. This role will independently originate, evaluate, and manage mortgage loan applications in accordance with bank policies, investor requirements, and federal regulations. The ideal candidate brings extensive industry experience, a proven production history, and strong referral relationships.

Essential Duties and Responsibilities:

• Independently originate and evaluate mortgage loans in compliance with bank guidelines, underwriting standards, and secondary market requirements.
• Manage a high-volume pipeline while meeting multiple and sometimes competing deadlines.
• Maintain strong working knowledge of compliance requirements, including ATR/QM and TRID.
• Proactively develop new business through existing customers, referral partners, and community relationships.
• Maintain and grow a high-quality, self-sourced portfolio of mortgage production.
• Performs other related duties as assigned

Qualifications

Knowledge/Skills/Abilities:

• Ability to build, grow, and sustain long-term business relationships with realtors, builders, financial advisors, and customers.
• Excellent verbal and written communication skills with the ability to provide clear guidance to borrowers.
• Advanced knowledge of residential mortgage products, including Conventional, FHA, and VA loans.
• Strong understanding of mortgage industry regulations, underwriting requirements, secondary market standards, and investor guidelines.
• Highly organized with the ability to prioritize tasks, manage multiple deadlines, and work independently in a fast-paced environment.
• Strong sales skills with the ability to generate, nurture, and convert leads.

Competencies:

• Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance.
• Collaboration: Cooperates with others to establish priorities and develop work plans; Cooperates with team members to complete tasks assigned to the team; Consistently contributes to group discussions and shares information.
• Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; Effectively handles situations with moderate degree of tension, conflict and/or distress.
• Decision-Making: Exercises good judgment in situations when data is limited and the solution may be unclear; Makes appropriate decisions in given time restraints; Demonstrates the ability to weigh factors and perceive impacts and implications of personal decisions in situations.
• Organizational Awareness: Understands the mission and functions of the organization; Demonstrates in-depth knowledge of organizational policies, procedures, rules, regulations impacting the organization, and guidelines; Educates others on organizational programs and policies; Aware of the key stakeholders, decision-makers, and power dynamics within the organization.
• Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; Willingly accepts new or additional responsibilities.

Education and

Experience:

• Bachelor’s degree and substantial experience in mortgage lending or an equivalent combination of education and experience.
• Minimum 5–7 years of experience in mortgage loan origination or mortgage banking required.
• Prior experience in a bank environment or with portfolio lending is a plus.

Certifications/Licenses:

• Must be registered, or eligible for registration upon hire, with the Nationwide Mortgage Licensing System (NMLS).