Mortgage Loan Officer

Description

MORTGAGE LOAN OFFICER – JOB DESCRIPTION

The Mortgage Loan Officer (MLO) proactively solicits residential mortgage business and sells CCB mortgage products to
meet established loan quality and production goals. In this on‐going sales role, the MLO continually identifies, develops
and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage
lending opportunities. The MLO’s network may consist of real estate professionals, builders, professional and personal
contacts, as well as other valuable referral sources, and is enhanced by regular participation in business related
development opportunities, community efforts to promote homeownership and professional organizations.

STATEMENT OF EXPECTATIONS

Chickasaw Community Bank (CCB) expects all employees to comply with the responsibilities of their assigned
position to the highest degree of performance. Expectations include but are not limited to:

• Adhere to the bank’s policies and support management decisions and goals in a positive, professional manner
• Represent CCB with a high level of integrity and professionalism, including in neatness and business‐like appearance
• Maintain knowledge and understanding of banking rules, regulations, laws, and all policies and procedures
• Knowledge of applicable bank software, programs, and procedures
• Demonstrate a willingness to adapt to changing business needs and deadlines
• Answer all voicemails and emails within 2 hours of receipt, and conduct customer follow‐up in accordance with established procedure
• Confer with management concerning questions, procedures, necessary information, forms completion, and problem resolutions
• Attend and complete all CCB required training
• Maintain satisfactory attendance, including punctuality
• Maintain production levels commensurate with established business plan

ESSENTIAL FUNCTIONS

• Promptly respond to all inquiries and online applications resulting from CCB's extensive marketing efforts
• Maintain a clean pipeline with an organized follow‐up program and clear communication relative to locks, closing dates, extensions, etc.
• Through a program of business development calls, establish an effective network of mortgage referral sources such as realtors, contractors, tribal authorities, financial planners, accountants, etc.
• Conduct sales and training meetings on new and existing programs with realtors, builders and tribal direct contacts
• Maintain loan compliance through timely and accurate preparation of required initial disclosures and re‐disclosures
• Take detailed loan applications, turn in complete files to processing team
• Assist the processing team and help resolve problems as needed
• Conduct interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information
• Consult as needed with customers and bank officers regarding mortgage loan programs, loan rates, and general qualifying requirements
• Identify appropriate opportunities to refer and cross‐sell additional banking products
• Maintain current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements
• Ensure exceptional customer experience by overseeing loan process from origination to close and providing on‐going communication to customers and business partners
• Achieve production goals as established by CCB

ADDITIONAL RESPONSIBILITIES

• Perform other duties as assigned
• Set up and attend outside marketing events including trade shows, festivals, etc.

Qualifications

ENVIRONMENT AND INTERACTION

This job operates in a professional office environment. This role routinely uses standard office equipment such as
computers, phones, photocopiers, filing cabinets and fax machines. May require some travel.

• Reports To: Senior Vice President/Retail Mortgage Production Manager

PHYSICAL ACTIVITIES REQUIRED TO PERFORM ESSENTIAL FUNCTIONS PHYSICAL REQUIREMENTS:

This work is sedentary and requires the following physical activities:

• Sitting for long periods of time; occasional bending, squatting, kneeling, stooping; good finger dexterity and feeling; frequent repetitive motions; talking, hearing, and visual acuity
• Frequent lifting (up to 10 pounds of paper supplies or minor office equipment)

WORKING CONDITIONS:

Normal office environment

NOTE: The above statements are intended to describe the general nature and level of work performed by an employee
in this position. These statements are not to be construed as an exhaustive list of all responsibilities, duties, and skills
required of employees in this position.