Sr. Mortgage Loan Officer - Residential Lending

SUMMARY:

Effectively originates various types of mortgage loans in accordance to industry and bank standards. Generates bank fee income by originating secondary market loans, and builds or replaces portfolio as directed by senior management. Develop and strengthen relationships with internal and external referral sources.

CUSTOMER SERVICE SKILLS:

Willingness to provide a level of service which will clearly differentiate us from our competitors.

INTERPERSONAL SKILLS:

Professional demeanor in appearance, interpersonal relations, work ethic and attitude.

Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to bank employees and bank customers.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Acts as the content expert on all the programs and products offered by WesBanco, as well as the overall mortgage industry.

Listens to the needs of customers and aligns them with the appropriate product and program to meet their mortgage needs.

Pre-qualifies purchase customers as requested.

Completes loan applications, inputting complete and accurate information in the origination system currently utilized by WesBanco Bank.

Obtains ALL necessary documentation specific to the product, program and specific needs of the client.

Reviews customer provided documentation to ensure it meets all industry and bank standards, reviews customer credit and analyzes overall information to ensure that any unanswered questions are documented and provided.

Initiate the preparation of disclosures to the client with all required documentation within 3 days of application.

Delivers a complete application electronically to processing partner within 5 days of application, followed by the customer provided documentation within 7 days of application.

Reviews realistic expectations and timeline with the customer during the initial application process.

Conducts weekly pipeline calls with processor and/or team to ensure all information is shared, and all needs are identified with "what is needed", "who is responsible to satisfy need" and "when will it be completed."

Promotes WesBanco mortgage within the real estate community by attending realtor functions, community events and educational opportunities within the industry.

Works assigned branches to ensure you are known as their mortgage expert, conducts monthly quick start meetings and completes a minimum of 4 "Mortgage Days" in the branch to promote your services to the branch customers.

Effectively communicates updates with customers throughout the mortgage process to ensure they have no surprises.

Maintains and updates Banks CRM Sales stage information to ensure the referral source can see the progress of the referral and qualify for sales incentive payouts.

Maintain and update the bank and residential CRM systems to insure all current and past clients are part of an ongoing campaign to stay in touch.

Promotes and cross-sells all bank products and services.

Adheres to the terms of your Service Level Agreement (SLA).

Must meet the minimum required milestones as assigned.

Must provide exceptional, professional service to mortgage customers, underwriters, processors and closers.

Support and actively engage all Bank Partners (Retail, Commercial, Private Banking, etc) to ensure strong ties and maximize referral opportunities between partners.

Strive to meet all of the WesBanco Mortgage Success Pyramid standards and complete duties to ensure that everyone in the process of “bringing a family home” is set up for success by your actions.

OTHER REQUIREMENTS:

Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the bank’s policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing.  You will also be expected to complete all assigned compliance training in a timely manner.

This role is required to maintain a current and active NMLS (Nationwide Mortgage Licensing System) number. Must complete registration within 30 days of hire.

Able to multi-task under sometimes stressful conditions.

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.

Ability to write reports, business correspondence, and procedure manuals.

Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.

Ability to deal with problems involving several concrete variables in standardized situations

Proficiency in Microsoft Office products including Outlook, Word and Excel.

Must have the ability to learn various Banking Software programs.

High School Diploma or GED required.

Associate’s or Bachelor’s degree in Business, Finance, Accounting or related field preferred, but not required.

Minimum of 3 years of mortgage industry experience, or a proven high producer with either 15 million in production or 50 closed loans in a year, required.