What are the responsibilities and job description for the Junior Mortgage Loan Officer/Cameron Market position at BTC Bank?
Job Description
Job Description
About BTC Bank
BTC Bank is a community bank founded on the traditional values of personal customer service. Our continued tradition of serving our friends and neighbors with courteous, professional banking services maintains its standard of excellence today. We strongly support our local communities. We are proud of the roots of our past and prepared for the growth in our future.
Work Location : This position will be based at our Cameron Market, MO location.
Hours : 40 hours per week, including Saturday rotation
Job Purpose : A Junior Mortgage Loan Officer evaluates, authorizes, or recommends approval of loan applications for individuals and businesses. They work closely with clients to understand their financial needs and help them secure mortgage and other types of loans that fit their circumstances.
Duties and Responsibilities :
- Meet with loan applicants to gather personal information and financial details.
- Analyze applicants' financial status, credit, and property evaluations to determine the feasibility of granting loans.
- Explain different types of loans and credit options available, as well as the terms of those services.
- Guide clients through the mortgage loan process, from application to closing.
- Ensure all loan documentation is complete, accurate, and complies with regulatory standards.
- Collaborate with underwriters, real estate agents, and other professionals to facilitate the loan process.
- Maintain strong relationships with clients, providing excellent customer service and support.
- Stay informed about the latest mortgage products, lending regulations, and industry trends.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Approve loans within specified limits and refer loan applications outside those limits to management for approval.
- Handle customer complaints and take appropriate action to resolve them.
- Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
- Review and update credit and loan files.
- Submit applications to credit analysts for verification and recommendation.
- Compute payment schedules.
- Confer with underwriters to aid in resolving mortgage application problems.
- Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
- Work with clients to identify their financial goals and find ways of reaching those goals.
- Negotiate payment arrangements with customers who have delinquent loans.
- Analyze potential loan markets and develop referral networks to locate prospects for loans.
- Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
- Assist Secondary Market Division when needed.
- Occasional travel may be required to meet with clients, attend training sessions, or visit other branch locations.
- Other duties as assigned.
Qualifications :
Physical Requirements :
To learn more about BTC Bank visit www.btcbank.bank
EOE / Veterans / Disabled
