Mortgage Loan Officer

Our member-centric approach empowers our team members to build lasting relationships with the businesses, families, and communities we serve, leading to opportunities and bright futures for our dedicated mortgage professionals.

We value and respect the impact our colleagues make every day both inside and outside our organization. We encourage professional and personal development and embrace a culture that celebrates and promotes the diverse talents, backgrounds, and perspectives of our colleagues and members.

This position is primarily responsible for originating Mortgage loans in compliance with company and regulatory policy.

• →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.
• →Collects required application fees.
• →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 your pipeline of loans to verify accuracy of the current loan status.
• →Acknowledges and abides by TowneBank 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 TowneBank, TowneBank Mortgage, and area association events.
• →If in one of our joint ventures, actively participates 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.
• →Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
• →Other duties as assigned.
  
  

• Working knowledge of Microsoft Office products
• Working knowledge of Encompass origination software
  
  

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities.
  
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