Job Description

The Mortgage Loan Officer -- Outside Sales will use their industry knowledge and marketing and sales strengths to find prospects, generate leads, and convert application opportunities to closed loans. Much of the incumbent's work will be self-directed with the majority of the sales calls and other activity taking place outside the employer's offices. Compensation for this position is commission based. The Loan Officer will develop long-term relationships with clients and referral partners, creating an email friendly data base that will allow for continuous marketing 'touch points' over time. He/she will provide excellent mortgage planning and financial counsel and ensure that reports and client documentation are accurate and done in a timely manner. He/she will remain abreast of all regulatory, ethical, and employer requirements and abide by them in all aspects of the work performed.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Design, implement and maintain a personalized marketing program which results in the generation of an acceptable volume of mortgage lending and bank retail products as defined from time to time by the Bank.
• Maintain, grow, and systematically utilize an ongoing electronic data base of clients, referral partners, and prospects for continuous efforts to "touch" clients and referral partners in order to generate mortgage sales.
• Know and successfully apply the principles of:

1. Mortgage lending product knowledge
2. Compliance
3. Loan documentation
4. Fiscal literacy
5. Deal structuring for the customer's benefit
6. Computer technology

• Be responsible for the timely submission of required borrower documentation. This may be accomplished by completing/obtaining the documents directly, or by utilizing our web site, or utilizing a loan officer assistant if authorized by the department manager.
• Build purposeful relationships with referral partners by:

1. Consistently attending networking groups
2. Consistently attending open houses and similar events
3. Consistently visiting referral partners
4. Becoming a community resource

• Utilize an effective personal time management system.
• Cross sell other Bank retail and lending products as required
• Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures (i.e. CRA, Fair Lending, etc.) evidenced by appropriate application of these regulations in day-to-day operations. Complete all necessary compliance training to include but not limited to BSA
• Attend meetings and Bank events as required, and perform other duties as may be specified from time to time.

Central Bank offers a competitive benefits program.

Click here for employee benefit information.

This position starts at $16.42 and can increase from there depending on experience.

Qualifications

POSITION REQUIREMENTS:

• 2-3 Years of Mortgage experience preferred.
• Valid driver's license with a clean driving background.
• Excellent knowledge of conventional and government mortgage underwriting requirements, real estate settlement practices, and of the residential lending business in general.
• Good command of the mathematics and reasoning skills involved in residential lending.

• High level communication skills, both oral and written.
• Excellent interpersonal skills, a committed listener, shows empathy, and deals well with individuals of all personality types. Builds rapport and confidence quickly.
• Computer skills; intermediate MS Word, intermediate MS Excel, intermediate MS Outlook, intermediate knowledge of Internet and data base or CRM software.
• Ability to work under pressure of multiple projects and deadlines; ability to effectively prioritize workload and manage changes in direction.
• Able to operate with minimal supervision, high achiever, and strong work ethic.
• Ability to work in a team environment.