Mortgage Lender
Company: FIRST COMMUNITY BANK (SC)
Location: Augusta
Posted on: May 28, 2023
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Job Description:
Position SummaryResponsible for soliciting, negotiating, and
assist in coordinating the closing of routine mortgage loans.
Examines, evaluates, and recommends approval of loan package. Also
promotes business for Bank by developing new residential mortgage
business growth and cross-selling opportunities.The majority of
time worked is spent out of banking offices.Essential Duties and
Responsibilities (Other duties may be assigned.) Demonstrate
knowledge of Bank mortgage loan products and services. Follow bank
policies and procedures, security guidelines, and comply with all
federal, state and local regulations. Includes coordinating with
legal counsel and bank operating departments to ensure adherence to
laws and regulations relating to new and/or revised bank products
and services. Demonstrate familiarity with underwriting guidelines
with all of the Bank's investors and programs. Support the Bank's
CRA and Fair Lending initiatives. Interview loan applicants and
request required information for determining a credit decision.
Compile loan packages and facilitate negotiation of loan structures
with applicants, including fees, loan repayment options, and other
credit terms. Conduct credit analysis to support granting loan
approval within guidelines from approving officer and/or outsourced
investor guidelines. Identify and analyze potential loan markets to
develop mortgage loan prospects. Promote business for the Bank by
maintaining good customer relations and referring customers to
appropriate staff for new services using Bank-endorsed techniques
and processes. Assume ownership of customer problems to achieve
resolution. Serve as primary contact in responding to customer and
non-customer inquiries relative to mortgage loan products, rates,
procedures, etc. Engage in marketing efforts with realtors,
builders and others to obtain new business. Efforts include but are
not limited to realtor open house luncheons, meeting with customers
after hours, and calling and/or meeting potential customers during
evening hours and on weekends per realtor request.Qualifications
Bachelor's degree, or at least 3 years of related experience, or an
equivalent combination of education and experience. Effective oral
and written communication skills. Effective interviewing skills.
Ability to speak effectively before groups. Ability to compute
basic to moderately complex math calculations. Basic
problem-solving and analytical skills. Ability to interpret a
variety of instructions furnished in written, oral, diagram, or
schedule form. Proficiency in using personal computers and office
products (e.g., Word, Excel). Excellent customer service and
interpersonal skills. Ability to work independently. Self-starter
who is goal- and results-oriented.Certificates, Licenses,
RegistrationsMust be licensed with NMLS prior to hire or before any
mortgage loan applications may be taken.
Keywords: FIRST COMMUNITY BANK (SC), Augusta , Mortgage Lender, Other , Augusta, Georgia
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