What are the responsibilities and job description for the Mortgage Loan Officer position at HomeTrust Bank?
Job Summary
Primary responsibilities include the solicitation and origination of mortgage, real estate related and other HomeTrust Bank loan products. The incumbent counsels borrowers to ensure they acquire a loan product appropriate to their circumstances, assesses the best options for the customer's needs, and makes appropriate recommendations. This position analyzes the prospective borrower's income and debt, counsels borrower on credit record or other problems, and pre-qualifies the borrower.
Key Responsibilities / Essential Functions
- Originates mortgage loans.
- Interviews customers and completes detailed loan application.
- Prequalifies borrowers using standard underwriting procedures.
- Counsels customers on home buying and financing process.
- Develops and maintains personal loan pipeline.
- Works with Loan Processor to facilitate underwriting and processing phases of loans.
- Answers telephone and written inquiries concerning active loans and bank loan offerings.
- Cross-sells financial institution products and services as appropriate.
- Provides disclosures to borrower including Truth in Lending and Good Faith Estimates.
Job Requirements
Education :
Required :
Preferred :
About HomeTrust Bank
HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online / mobile channels and multiple locations in Virginia, North Carolina, South Carolina, and Tennessee. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization.
Work Environment, Physical Requirements
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.
DISCLAIMER : HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.
HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.
Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
