Summary/ObjectiveIt is the responsibility of the Mortgage Loan Officer to be able to handle all functions of originating a loan.Essential FunctionsReasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Origination Requirements Develop application sources through internal and external centers of influence including but not limited to: Bank branches, realtors, builders, stockbrokers, financial planners, attorneys, accountants and past customers. Develop new business from personal and nontraditional resources. Work independently. Complete 1003 Residential Loan Application. Collect all data and documents necessary to process the application. Assign loan number. In-put or upload application information into Loan Origination System, Calyx. Submit to Desktop Underwriter (TM) , Loan Prospector (TM) or other decision engine. Issue initial disclosures accurately and in a timely manner. Follow up on conditions necessary to close or decline loan as requested. Price and lock interest rate with investor, meeting Bank pricing expectations. Monitor lock expiration dates for closing and delivery.Other Banking Requirements Call on Bank branches in assigned territory. Make introduction of all market applicants to appropriate Bank personnel. Generate new leads for the Bank from outside sources. In consultation with Bank personnel, explore opportunities for cross-sell of other Bank products. Collect fees in accordance with Bank standards. Participate, as requested, in opportunities to promote the Bank. Maintains lending compliance including but not limited to: early disclosures, government monitoring, high priced mortgage loans documentation, and customer information procedures.Closed Loan Requirements Expected minimum closed loan volume of $1,000,000 per month after 90 days.Other Duties Complies with all policies and procedures as applied to the Bank's BSA/AML policy. Perform other duties as assigned.Skills/Abilities A Mortgage Loan Officer must be able to communicate and work well with the public. Must have the ability to analyze credit information necessary to originate and assist in processing a residential loan application. Individual must have knowledge of lending compliance requirements and general knowledge of conventional and government loans available to the consumer. Must be resourceful and have the ability to work with secondary market investors insuring all loans meet established guidelines. Must be extremely detailed oriented to insure accuracy of data supporting loan files. Data integrity must never be compromised. Must have ability to work independently inside and outside the office, manage loan pipeline, follow-up with borrowers, Bank partners, and sources of business. Work to ensure timely loan closings.Education And Experience College degree preferred. Minimum 1 year of mortgage banking experience. Origination and sales experience. Calyx Point experience preferred. Optimal Blue experience preferred. ComplianceEase experience preferred.