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 :
- High school diploma or equivalent required. Required :
- 3 years of experience required as a retail loan originator, processor, sales assistant or equivalent experience with a proven sales record.
- Good basic computer skills.
- Must be bondable, and valid driver’s license.
- Ability to understand and use bank loan policies and procedures to support positive customer interactions.
- Ability to communicate effectively with customers, staff, and the general public in a positive, problem solving manner.
- Ability to listen to and convey accurately and quickly, detailed information, important instructions and / or ideas.
- Ability to think and act independently within guidelines and limitations of bank policy and assigned personal authority.
- Proficient in Microsoft Office products. Preferred :
- College degree in related field. 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.
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)
