What are the responsibilities and job description for the Mortgage Loan Officer position at Home State Bank- People You Can Talk To?
Are you a banking professional with a drive to make a real impact? Do you have a passion for helping people to achieve their dreams by utilizing your experience in mortgage lending?
We are seeking a results-driven Mortgage Loan Officer to join Home State Bank in Hutchinson or Litchfield, MN. This position will generate new business through referrals, underwriting, structuring, closing real estate loans, and servicing an existing portfolio. It will also require business development and community involvement.
About Us
Home State Bank is a family-owned community bank in west central Minnesota, deeply rooted in the vibrant communities of Willmar, Cosmos, Litchfield, and Hutchinson. Our mission is not just to support and grow our communities, but to do so in a way that involves and empowers every individual, helping them overcome financial challenges and achieve economic success.
Our Guiding Principles
- Customer Focused:We are committed to total customer satisfaction. We build relationships, solve challenges, and are friendly.
- Collective Wisdom:We are knowledgeable, continuously learning, and innovative in meeting our customers' financial needs.
- Community Driven:We build strong communities and volunteer our time, knowledge, and resources.
- Committed:We work hard and embrace change with an optimistic attitude. We are reliable, accountable, flexible, and enthusiastic.
- Collaboration:We work together to strengthen and enrich the lives of our customers and employees.
In this role, you will be responsible for developing relationships with new and current clients, contacting customers to discuss loan needs, evaluating credit and financial histories, determining the best loan products for the customer's needs, processing and submitting loan applications and documentation, advising clients on loan status, maintaining and updating client account records, and coordinating with the team to meet the scheduled closing date.
You will need a high school diploma, a bachelor's degree in finance, business, or accounting preferred, at least 2 years of professional experience as a mortgage lender or mortgage loan processor, knowledge of local, state, and federal loan regulations, including TRID, proficiency with Microsoft Office Suite, Navigator, Encompass, or other mortgage loan processing platforms, and an outgoing, friendly, and enthusiastic team-oriented personality.
Duties and Responsibilities
- Develop relationships with new and current clients.
- Contact customers to discuss loan needs.
- Evaluate credit and financial histories.
- Determine the best loan products for the customer's needs.
- Process and submit loan applications and documentation.
- Advise clients on loan status.
- Maintain and update client account records.
- Coordinate with the team to meet the scheduled closing date.
This role can work in the office at our Hutchinson or Litchfield locations or select a hybrid arrangement.
Please note that only qualified candidates will be contacted for further consideration.
