TowneBank

Mortgage Loan Officer - Central Pennsylvania Market

TowneBank  •  Lancaster, PA (Onsite)  •  12 hours ago
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Job Description

Essential Functions:

  • Provides service to applicants and prospective customers seeking home loan, including interviewing, pre-qualification and pre-approval.
  • Completes application and gathers supporting documentation.
  • Reviews and completes regulatory disclosures with customer.
  • Maintains existing and generates new sources of referral business.
  • Quotes interest rates and secures pricing through the Secondary Marketing Department on behalf of the Customer.
  • Inputs application data into Loan Origination Software (LOS).
  • Utilizes automated underwriting systems (AUS) to obtain credit recommendations.
  • Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties.
  • Communicates with all parties in a professional and courteous manner.
  • Manages his/her pipeline of loans to verify accuracy of the current loan status.
  • Knows and abides by HomeSale Mortgage Policies and Procedures.
  • Mentors other Loan Officers.
  • Relays to Senior Management any industry changes or trends that may be of interest to them.
  • Participates in HomeSale Mortgage association events.
  • Must actively participate in all aspects of the Real Estate Office sales meetings and office functions. Prepares Mortgage Minutes for presentation at each sales meeting. Provides on-going training for the real estate agents (lunch and learns). Works closely with the Broker/Sales Manager
  • Attends Loan Officer Meetings.
  • Represents the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
  • Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).


Minimum Required Skills and Competencies:

  • Must have a valid NMLS #
  • Minimum 2-years' experience originating
  • Self-motivated professional with a proven ability to quickly establish and maintain strong referral partner relationships
  • Demonstrated commitment to delivering exceptional customer service
  • Proven sales record based on closed loan production
  • Currently possess sources of referral business for purchase transactions
  • High School Diploma or equivalent
  • Awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines.


Desired Skills and Competencies:

  • Working knowledge of Microsoft Office products.
  • Working knowledge of Encompass software.
TowneBank

About TowneBank

Founded in 1999, TowneBank is a company built on relationships, offering a full range of banking and other financial services, with a mission of serving others and enriching lives. Dedicated to a culture of caring, Towne values all employees and members by embracing their diverse talents, perspectives, and experiences.

Today, the bank operates over 50 banking offices throughout Hampton Roads and Central Virginia, as well as Northeastern and Central North Carolina – serving as a local leader in promoting the social, cultural, and economic growth in each community. Towne offers a competitive array of business and personal banking solutions, delivered with only the highest ethical standards. Experienced local bankers providing a higher level of expertise and personal attention with local decision-making are key to the TowneBank strategy. Towne has grown its capabilities beyond banking to provide expertise through its controlled divisions and subsidiaries that include Towne Wealth Management, Towne Insurance Agency, Towne Benefits, TowneBank Mortgage, TowneBank Commercial Mortgage, Berkshire Hathaway HomeServices RW Towne Realty, Towne 1031 Exchange, LLC, and Towne Vacations.

NOTICE TO CONSUMERS REGARDING MARYLAND LENDER LICENSEES: TowneBank is licensed to engage in business as a Maryland Mortgage Lender and assigned a unique NMLS identifier number: 512138. The NMLS Consumer Access Website is linked here: www.nmlsconsumeraccess.org

Interested in joining the Towne Family? Available positions are listed at www.townebank.com/careers. TowneBank and its affiliate companies support a diverse workforce and are Equal Opportunity Employers who do not discriminate against individuals on the basis of race, color, religion, national origin, age, sex (including pregnancy and gender identity), genetics, sexual orientation, disability, veteran status or other classification protected by law.

EOE/M/F/Disability/Vet

Industry
Finance & Insurance
Company Size
1,001-5,000 employees
Headquarters
Virginia
Year Founded
1999
Website
townebank.com
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