What are the responsibilities and job description for the Mortgage Lending Officer position at River Bank & Trust?

Job Description

Mortgage Lending Officer

RB&T Mission Statement :

As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.

Position Summary :

River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement / relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly.

Essential Duties and Responsibilities :

Reasonable accommodations may be made to enable individuals with disabilities to perform the

essential functions. The essential functions include, but are not limited to the following :

Interview customers to determine their mortgage needs
Responsible for collecting financial information & evaluating creditworthiness and eligibility

to obtain a mortgage loan

Guide the customer through their options and throughout the process

Prepare and submit mortgage loan applications

Ensure data are in line with national and local financial guidelines

Keep the customer informed throughout each step of the process

Help resolve problems / conflict with applications

Ensure compliance with privacy laws and confidentiality throughout the process

Build and maintain customer relationships, internal referral network, and community

involvement

Minimum Qualifications :

High School diploma or equivalent

At least (2) years' experience in related or equivalent mortgage banking

Knowledge & understanding of real estate lending criteria, compliance, federal / state

regulations, loan origination and servicing software

Skills, Abilities & Expectations :

Be familiar with and follow policy and procedures, and support Management's decisions

and goals in a positive, professional manner.

Stay abreast of regulatory requirements and complete annual compliance training

applicable to the position

Assuring customer service is top priority whether internally or externally; treating

customers and employees professionally, with courtesy and respect

Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work

Detail oriented and organized

Mortgage Loan Originator Job Description

Ability to analyze financial information

Excellent interpersonal and communication skills

Integrity, discretion, and respect for confidential information are absolutely essential

Willingness to adapt to change

Work within a variety of different software and web applications

Able to prioritize duties and effectively manage time

Analytical and problem-solving skills

Attend work on a regular basis, on time, and withstand varying degrees of stress

Excellent interpersonal and communication skills

Maintaining a professional, business-like appearance and demeanor

Proficiency in Microsoft Office products to include : Word, Excel, and Outlook

Physical Demands :

The employee will occasionally lift and / or move up to 25 pounds. The employee will regularly sit;

talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk;

reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special

vision requirements include close, distant, and peripheral vision; depth perception; and the

ability to adjust focus. The noise level in the work environment is usually moderate. The work

environment and physical demands are those of a standard retail branch setting. Reasonable

accommodations may be made to enable individuals with disabilities to perform the essential

functions of the job.

Disclaimer :

The above information has been designed to indicate the general nature and level of work

performed within this job. It is not designed to contain or be interpreted as a comprehensive

inventory of all duties, responsibilities, and qualifications required of employees assigned to the

job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of

stress. This position description describes the minimum selection requirements to qualify for the

position. Promotion and other employment decisions are based on employer needs, being in

good standing, fully competent performance, and other non-discriminatory subjects.

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What are the responsibilities and job description for the Mortgage Lending Officer position at River Bank & Trust?

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