Mortgage Loan Officer

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.

About Us

SmartBank is rooted in our core values: Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our team lives and breathes these values to fulfill our core purpose: creating "WOW" experiences for our clients. For over 15 years, we've been delivering on this purpose in Tennessee, Alabama, and Florida, and we're continuously expanding our reach. Our team is empowered to care for our clients and actively participate in the communities we serve. At SmartBank, we prioritize individual needs, set high expectations, and celebrate achievements - that's the SmartBank way.

Your Role as a Residential Lender

• Upholds SmartBank Core Values and Core Purpose.
• Actively participates in mortgage department meetings and geographic market meetings.
• Works in the community to create a brand awareness through outside sales.
• Attend events throughout the markets they support to increase brand awareness.
• Solicits first mortgage loans. Informs prospective loan clients of the financial institution's underwriting guidelines and applicable secondary market guidelines.
• Accepts online applications and interviews loan applicants by phone or in-person.
• Completes each loan application and all pre-processing functions in a timely manner to permit the disclosures to be sent out within the required three-business day period.
• Works with loan processor in gathering requested documents and necessary signatures for loan files.
• Orders credit reports and analyzes the credit history of applicants to determine their loan repayment capabilities. Completes appropriate underwriting documentation for each loan file.
• Submits loan to AUS for initial approval.
• Ensures maintenance of consistent file management, documentation and loan administration practices.
• Attends loan closings at various locations in the community they serve.
• Actively markets SmartBank's mortgage products and services to realtors, builders, CPA's, financial planners, title companies, etc. to solicit mortgage business. Completes weekly sales call reports and pipeline reports in a timely manner.
• Handles mortgage loan inquiries (cold calls) generated from advertising sources, customer referrals, etc. for assigned territory by visiting potential clients in the field.
• Cross-sells all other bank products when warranted and appropriate.
• Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
• Performs other duties as assigned.

Position Requirements and Qualifications:

Education:

• Bachelor's degree in business, finance or related field preferred.
• Two to four years of experience in originating secondary market mortgages, preferably in a bank environment.

Training Requirements (licenses, programs, or certificates):

• NMLS registration required; participates in periodic training in mortgage products, services, regulations and compliance.
• Knowledge, Skills, and Abilities:

Underwriting knowledge.

• Excellent communication skills (written, verbal, listening).
• Detail-oriented and well-organized.
• Ability to handle multiple priorities and produce results.
• Ability to handle frequent changes.
• Ability to maintain confidentiality and adhere to the institution's privacy policies.
• High level of integrity.
• Willingness to travel throughout their assigned territory to meet clients, solicit new business and attend community events in an outside sales capacity creating brand awareness.
• Work with little to no guidance but willing to independently meet goals and objectives as defined by supervisor.
• Self-motivated/takes initiative.
• Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing proficient.
• Demonstrates ability to maintain a positive attitude.
• Able to maintain regular and predictable attendance.
• Willing to accept new ideas and methods and be agreeable to change.

Work Conditions:

• Able to routinely stand, sit, bend and stoop.
• Frequently and regularly required movements using wrists, hands, and/or fingers.
• Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
• Ability to hear average or normal conversations and receive ordinary information.
• May be required to travel to training sessions or meetings.

Are you ready to be a part of the SmartBank team and experience all these incredible benefits? We look forward to welcoming you to our exceptional team!