What are the responsibilities and job description for the JUNIOR MORTGAGE LOAN OFFICER - Richmond, KY position at Stock Yards Bank and Trust?
Job Description
Job Description
This position will cover Winchester and Richmond
As a Junior Mortgage Loan Officer your day will be filled with opportunities to work with an experienced Mortgage Loan Officer to sell mortgage loan products through sales efforts with individuals, builders, realtors, and other contact groups. Stock Yards Bank will provide a professional environment to continually improve the candidate’s skills to further his / her career goals for advancement within the banking profession.
Responsibilities
Daily responsibilities include, but are not limited to, the following :
Assist MLO with prequalification and maintaining relationship with borrower to convert to application
Assist MLO by reviewing initial application, reviewing for accuracy and completeness, run AUS, review credit,
Assist MLO by completing disclosures and schedule initial disclosure appointment with borrower if applicable
Submit loan to setup within appropriate time frame
Assist with phone calls directed to mortgage loan officer by directing the call to the appropriate department / person, taking a message, or assisting with call as applicable
Place follow up calls to customers on behalf of loan officer, as applicable
Schedule appointments and maintain loan officer calendar
Manage referrals in S@YB to other departments
Manage S@YB entries for sales calls and COI updates
Work with processing and underwriting group to ensure customer contact and any conditions are handled in an appropriate timeframe
Review pipeline and monitor return of initial application documents as well as initial required documentation
Contact individuals, realtors and builders, attend chamber and other civic meetings to expand network contacts to generate sales
Engage in marketing and promotional activities, such as giving presentations to groups, in an effort to generate sales
Consult with customer to compile loan application in order to meet compliance guidelines while negotiating terms and conditions
Collect, compile and analyze information for acceptability for approval for investor’s loan product
Communicate with clients and potential clients, answering questions and providing information, acting as the primary point of contact from sale to closing
Follow up closely with processor to ensure loans are closed timely
Maintain up-to-date knowledge of FHA, VA, and conventional loan rules, regulations and guidelines through a combination of educational classes, correspondence courses, on the job training and investor web sites
Other Functions :
Organize and file
Assemble and distribute correspondence and updates
Maintain and order supplies
Job Requirements
The successful candidate will have the following qualifications :
High school Diploma or GED Equivalent
Banking or mortgage experience preferred
Proficiency in Word (including knowledge of mail mergers and creating templates)
Proficiency in Excel (including ability to create graphs)
Typing speed of 40 WPM
Must be detailed oriented
Must be able to maintain confidentiality
Excellent organizational skills
Excellent verbal and written communication skills
Excellent customer service skills
Ability to function independently in a multi-task environment as well as part of a team.
Flexibility with hours and duties
Professional appearance and demeanor
Benefits
401(k) with a company match of up to 6%
ESOP employer match
Medical insurance
Dental insurance
Vision insurance
Cancer / Disease insurance
Accident insurance
Flexible Spending Accounts
Health Savings Accounts
Bank paid Life / AD& D insurance
Voluntary Life / AD&D insurance
Bank paid Short-Term and Long-Term Disability insurance
Employee Stock Purchase Plan
Employee Assistance Program
Physical Requirements
The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position requires sitting the majority of the time with limited walking and standing. All work occurs indoors and within regular working hours. The noise level in the work environment is usually moderate.
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