Mortgage Banking Officer

Company: MidWestOne Bank
Location: Fairfield
Posted on: May 14, 2022

Job Description:

Overview
If you're ready -to work for an organization that values you, develops your talents and helps you grow personally and professionally, then look no further.
Is responsible for the production and solicitation of a wide variety of residential real estate loans, working on a low base plus commission compensation program. Reviews mortgage loan applications to determine if basic lending criteria are met. Ensures that customer needs are satisfied through effective customer service. Contributes to the Bank's profit projections through individual and department goals and strategies. Additionally, responsible for cross-sales and / or referrals of all bank products and services.
Responsibilities

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• Interviews applicants concerning their mortgage loan needs and desires. - - - - - -
  
• Initiates the process which determines the customer's financial condition in relation to acceptable risk within Bank policy guidelines
  
• Submits loans and subsequent information as needed to be processed for review and approval by residential mortgage underwriter.
  
• Ensures the growth of the Mortgage Department through the selection and development of new accounts and the expansion of the -portfolio.
  
• Acts in an advisory capacity to other Officers, employees and customers on matters pertaining to mortgage services.
  
• Ensures that approved loans are closed following required procedures and that the documentation is complete.
  
• Calls on realtors and other sources of new business to increase referrals, build strategic partners and to promote the Bank and thereby enhance overall banking relationships.
  
  The Perks!
  
  • 
    
  • Competitive base compensation with additional performance-based incentives/bonus potential (incentives and bonus will vary depending on role)
    
  • Career growth - opportunities
    
  • Continuous learning opportunities
    
  • 401(k) Retirement Plan with company match with immediate vesting
    
  • Employee Stock Ownership Plan
    
  • Employer provided group life insurance with option to purchase additional life insurance for you and your family members
    
  • Employer provided long term and short term disability insurance
    
  • Paid Time Off, Paid Holidays, Parental/Grandparent Leave, and more!
    
  • Medical, Dental, and Vision insurance
    
  • Flex spending plan & Health savings accounts
    
  • Additional Insurance options to meet your personal needs: Pet Insurance and Critical Illness and Accident insurance
    
  • Student Loan Debt Reduction Program & Tuition Assistance Plan
    
  • Wellness Program
    
  • Free banking services and other financial services discounts
    
  • Take Your Dog to Work Day in June
    
  • Employee Rally Day- a day of celebration and recognition!
    
    Qualifications
    Associate degree (A. A.) or equivalent from two-year College preferred or equivalent combination of education and experience. 3-5 years mortgage lending experience required. Must possess excellent communication skills; prioritize work demands effectively. Knowledge of overall bank operations is desirable.
    Will be required to register with the NMLS and submit to a criminal background check.
    We -RISE -by lifting others. -RISE -stands for Retention, Innovation, Support, and Empowerment. -Through -RISE -we aspire -to create and sustain a culture of diversity, -inclusion and belonging at work and in our communities. -Our commitment to -RISE -is -reflected in our -operating principles, people -and culture. We pledge to continuously learn, so we can understand and support the differences of individuals, embrace each other's strengths, and provide opportunities for all of us to work toward and achieve our full potential.

Keywords: MidWestOne Bank, Fairfield , Mortgage Banking Officer, Accounting, Auditing , Fairfield, California