Mortgage Loan Specialist - Winchester, VA

Equal  Opportunity Employer

Mortgage Loan Specialist

Summary Description:

Implements corporate policies and procedures designed to produce profitable first mortgage loans in the retail markets served, in order to meet the strategic and financial goals of the Bank.

Essential Functions:

• Establish loan production sales goals with the Mortgage Division manager
• Actively sell, refer, deliver and promote mortgage loans
• Provide loan disclosure forms to applicants within regulatory guidelines
• Maintain a thorough knowledge of all mortgage loan programs offered and a working knowledge of competitive products and services
• Maintain a working knowledge of loan origination systems and procedures
• Serve as liaison for ARM production for assigned retail Certified ARM Originators
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

Position Standards:

• Submits thorough loan applications with all applicable disclosures
• Communicates documentation requirements to borrowers
• Generates sufficient loan volume to meet goals. Minimum annual goal of $10 million in originations is required

Position Requirements:

• College degree preferred
• Minimum 3 years of mortgage lending experience
• Must be compliant with Loan Officer Qualification Requirements of the SAFE Mortgage Licensing Act and Regulation Z. Compliance includes a review of the candidate's financial responsibility, character and general fitness prior to placement in the role and within 30 days of employment compliance with NMLS registration and corresponding background check requirements.
• Work is generally performed indoors in environmentally controlled conditions.
• Typically the employee may sit to perform the work. However, there may be some standing, walking, bending and carrying of light items in the course of the work

Critical Skills/Expertise

• Good sales techniques
• Strong attention to detail
• Good problem solving skills
• Excellent communication skills