Residential Lending Sr Loan Officer

• Self-source and generate mortgage loans through established referral partners and banking partnerships.
• Gather financial information from clients including income, assets, debts, and credit history.
• Evaluate creditworthiness and eligibility for mortgage loans.
• Interview clients to understand their needs and goals.
• Explain the difference types of mortgages loans available and recommend the best options for each client.
• Prepare and submit mortgage loan applications in accordance with standards.
• Work with processing and underwriting departments to secure loan approvals
• Manage the closing process and ensure that all documents are completed and signed.
• Build relationships with clients and referral partners, including realtors, builders, financial and industry professionals.
• Regularly participate in branch activities to train retail staff and gain mortgage referrals.
• Participates in regular sales, product and regulatory training as assigned by the bank management.
• Identify opportunities to cross-sell bank products and services between all departments.
• Stay up to date on the latest mortgage lending regulations and trends.
• Keep abreast of underwriting policies, procedures and changes for all mortgage loan products.
• Comply with applicable laws and regulations as well as the Bank's written policies and procedures.
• Participate in continued mortgage compliance training including, but not limited to: Dodd-Frank Act, ATR/QM Rules, Truth in Lending Act, Real Estate Settlement Procedures Act (RESPA), Home Mortgage Disclosure Act (HMDA-Regulation C), Equal Credit Opportunity Act (ECOA-Regulation B), Fair Housing Act, Fair Credit Reporting Act, etc.

• Bachelor's degree in finance/accounting or related field preferred.
• Three years' mortgage banking experience in the assigned territory.
• Strong understanding of the mortgage lending process.
• Experience with Encompass preferred.

• Strong business development and sales skills.
• Strong organizational skills and attention to detail.
• Strong customer service orientation and ability to manage customer relationships.
• Professional demeanor with excellent communication, interpersonal skills and conflict resolution skills.
• Strong communication and interpersonal skills.
• Ability to work independently and as part of a team.
• Ability to problem solve, prioritize tasks and meet required deadlines.
• Ability to think critically and use good, sound judgment in decision-making.
• Ability to respond to common inquiries or complaints from customers, co-workers or vendors.
• Ability to communicate effectively and tactfully, orally and in writing with employees, customers, vendors and management.
• Ability to define problems, collect data, establish facts and draw valid conclusions.
• Must understand and comply with company policies and procedures.
• Ability to maintain a friendly, helpful and courteous attitude when working with customers or co-workers under diverse conditions.
• Ability to accurately and quickly complete standard mathematical calculations.
• Ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations.
• Ability to use a calculator, computer and applicable software.
• Ability to use a variety of internet browsers and Microsoft Office programs, specifically Word, Outlook and Excel and Teams.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must have the ability to lift and carry 25 pounds for a distance of 50 feet.