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Mortgage Loan Officer

FNB BANK, INC. • Paducah, KY • 2d ago

Experience Required Minimum of two years mortgage lending experience with active NMLS number

Minimum Education Required Bachelor's Degree

Compensation $

Hours Per Week 40

Number Of Positions 1

Job Description BANK TITLE: Mortgage Loan Officer

DEPARTMENT: Lending

ORGANIZATIONAL RELATIONSHIPS:

Reports To: Residential Mortgage Leader

JOB SUMMARY

Responsible for originating conventional residential mortgage loans and other Government loan programs, including but not limited to FHA/VA, Rural Housing in Western KY. Participate in related business development activities. Develop and maintain a loan portfolio and ensure that the credits are of the highest quality, fully documented and in compliance with all related laws and regulations as well as the Bank's lending policies.

ESSENTIAL FUNCTIONS

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

Solicit residential first mortgages through contacts with Realtors, builders, developers and referrals from clients.
Interview applicants to obtain information concerning their needs, desires, and eligibility to assist in determining whether the loan will be an acceptable risk;
Obtain and analyze pertinent financial and credit data.
Negotiate terms and conditions of loan with mortgagors.
Comply with all BSA requirements and complete appropriate documentation.
Close approved loans, assuring the completeness of the required documents and its compliance with applicable rules and regulations.
Monitor loan exceptions and delinquencies and take appropriate action to cure any deficiencies
Keep informed of trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages.
Call on potential or existing customers as assigned to develop new business or retain existing business.
Participate in and support community and professional organizations, which will contribute to personal growth and effectively promote the image of the Bank.
Cross sell other bank services.
Carry out other such duties as may be assigned or directed.

REQUIREMENTS AND QUALIFICATIONS
Bachelor's degree or equivalent in work experience.
Minimum of two years mortgage lending experience with active NMLS number.
The position requires extensive interaction with external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other bank personnel).
General knowledge of personal computers and software programs utilized by Residential Mortgage Department.
Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law.
Proven sales ability.
Strong mathematical skills.
Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion.

At FNB our goal is to be a diverse workforce that is representative of the communities that we serve. All aspects of employment including the decision to hire, promote, discipline or discharge, will be based on merit, qualifications, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law. We are a VEVRAA federal contractor.

Job Type Full time

Equal Employment Opportunity (EEO) Employer Yes

Americans with Disabilities Act (ADA) compliant Yes

Background Check Required Yes

Place of Work

On-site

Requisition ID

27670

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