What are the responsibilities and job description for the Mortgage Loan Officer position at Citizens Trust Bank?

Job Description

Citizens Trust Bank is an Equal Employment Opportunity / Affirmative Action Employer offering competitive compensation, comprehensive employee benefits and opportunities for career development and advancement. We are committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment that is based on respect, accountability, and high quality performance.

Citizens Trust Bank prides itself on offering a full-range of quality products and services throughout Birmingham and Eutaw Alabama, metro Atlanta and Columbus, Georgia, markets. Since its inception, the Bank has remained dedicated to the growth and development of communities through superior banking products and extraordinary service.

As an institution of excellence, celebrating over 97 years of success, Citizens Trust Bank continues to champion its commitment to offering customers viable banking solutions with first-class customer service to meet their growing business needs. Delivering on that promise, we continue to be sound and strong and it is our goal that our customers and associates are too.

If you are interested in the position below and meet the qualifications and requirements, please apply at www.ctbconnect.com.

POSITION SUMMARY :

Responsibilities include but are not limited to the following :

Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions
Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank
Screens mortgage loan requests; educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations
Obtains required information and documents from prospective loan clients and analyzes financial and credit data
Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner
Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers
Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank
Hosts and conducts homebuyers related seminars and educational sessions
Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank’s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations
Demonstrates consistent professional appearance, image, ethics, integrity, and represents the CTB Brand
Attends and participants in various business meetings; schedules and confirms appointments; follow-up on business referrals
Composes and distributes various correspondence and reports; assists with the development of marketing material and resources
Adheres to all policies, procedures, guidelines, expectations, laws and regulations
Exceeds all established positions’ goals, objectives, and expectations
Supports the Bank’s vision, core values, business principles, goals, and objectives
Performs other duties and responsibilities as assigned

QUALIFICATIONS, SKILLS, AND ABILITIES :

Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment

Bachelor’s degree in finance, accounting, economics, marketing, business administration, or related field

Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required

Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures

Excellent quality customer service skills and ability to establish relationships in a manner that enhances the overall marketing efforts of the Bank

Must be able to maintain positive composure and consistently demonstrate professional appearance, image, and represents the CTB Brand

Ability to prepare mortgage files for underwriting within established guidelines

Excellent telephone etiquette and respectful of others

Proficient in Microsoft Office (Word, Excel, Outlook, Internet, and working knowledge of Encompass Mortgage software systems)

Assertive and demonstrates initiative with the ability to comprehend and follow directions and instructions

Ability to produce accurate and organized work with minimum supervision

Genuine interest in serving and caring for others

Excellent organizational, listening, and interpersonal skills are required

Ability to handle and maintain confidential matters and information

Up to date understanding of industry trends and developments

Must be a self-starter who is self-motivated with the ability to produce results, meet all established goals, objectives, and expectations, and ability to comply with all bank policies, procedures, regulations, and laws

Excellent analytical and problem resolution and negotiation skills

Ambitious with a strong work ethic, positive behavior, ability to work both independently and as a part of a team, results focused, and detailed-oriented with excellent time management and planning skills

Excellent communication skills with ability to communicate clearly, concisely, tactfully, and effectively

Ability to maintain a proactive approach to assignments and multi-task oriented

Flexible, resourceful, and energetic with excellent research and presentation skills

Exceptional creativity with ability to manage multiple tasks and prioritizes work to meet deadlines

A competitive winning spirit that understands the team concept

Ability to work through situations and find win-win solutions

Ability to establish and maintain effective working relationships with co-workers, customers, and representatives of other departments

Ability to work in a fast paced, high volume environment, and must be adaptable to change

Citizens Trust Bank offers competitive compensation and a comprehensive employee benefits package for our employees. Our benefits package includes the following :

Medical, Dental, Vision and Prescription Coverage

401(k) Retirement Plan

Employee Stock Purchase Plan

Life Insurance and Flexible Spending Account

Paid Time Off, Vacation and Holiday Pay

Tuition Reimbursement

Employer Assisted Housing Program

Fitness & Wellness Program and Sam’ s Membership

Employee Assistant Referral Services (EAP)

Group Cancer & Accident Insurance Programs

Worker’s Compensation Program

Incentive, Awards and Recognition Programs

Training and Development Programs and much more!

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