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Job Type
Full-time
Description
Are you passionate about helping individuals and families achieve homeownership while building strong relationships in your community? At CCFBank, our Mortgage Loan Officers serve as trusted advisors, guiding customers through every step of the mortgage process while developing new business opportunities and partnering with real estate professionals throughout the market. This role combines consultative sales, financial analysis, and exceptional customer service to deliver lending solutions that meet our customers' needs and support the growth of the Bank.
What You'll Do: You'll cultivate referral networks, develop new business relationships, originate residential mortgage loans, and provide expert guidance to borrowers from application through closing. As a key representative of the Bank, you'll collaborate with internal partners and community stakeholders to create an outstanding customer experience while ensuring compliance with all lending regulations and Bank policies.
Primary Responsibilities
- Develops and cultivates new business relationships through proactive business development efforts.
- Identifies opportunities to expand customer relationships by cross-selling banking products and services and referring clients to appropriate internal partners as needed. Reinforces the application of superior customer service through their own example along with appropriate follow-through with involved customers and colleagues.
- Establishes and maintains a close working relationship with mortgage and title companies, contractors, builders, appraisers, real estate agents and other real estate industry professionals.
- Conducts comprehensive interviews with prospective borrowers and existing customers to gather required financial and personal information and guide them through the loan application process.
- Evaluates customer needs and recommends appropriate lending solutions, including loan terms, interest rates, and repayment options.
- Follows up with applicants to clarify, verify, and resolve questions related to application information, ensuring a seamless and efficient lending experience. Conducts borrower prequalification assessments and analyzes financial information to evaluate creditworthiness and repayment capacity.
- Assesses lending opportunities and associated risks in alignment with the Bank's credit policies, risk management standards, and prevailing economic and industry conditions.
- Orders and reviews credit reports, flood zone determinations, and desktop underwriting findings to support sound lending decisions and ensure compliance with underwriting requirements. Authorizes commitment and decline letters.
- Obtains sufficient information and/or documentation from customers, and solves problems related to processing and servicing of loans within their portfolio.
- Develops and maintains an advanced knowledge of financial industry, economy, market conditions, rates, vendors and competition and remains informed of trends and developments in local market and changes to regulations governing private and government issued mortgages.
- Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business and assists the Bank in establishing and maintaining market position in the financing arena.
- Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
- Performs other duties as assigned.
Education and Experience
- Three (3) years of directly related full-time experience in the mortgage industry (FHA, VA, conventional, etc.).
- Five (5) years of experience in the financial services industry (accounting, lending, finance)
- In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position.
What's in it for you?
- Full Time, 40 hours per week.
- Monday - Friday work week.
- Competitive Incentive Plan.
Perks:
- Health, Vision & Dental Plans
- Health Savings Account (HSA) with CCF Contributions
- Employer Paid Life Insurance and Long Term Disability Plans
- Voluntary Life Insurance and Short Term Disability Plans
- Accident, Critical Illness, and Hospital Indemnity Plans
- Benefits Care Advocate
- Flexible Spending Account
- Health Reimbursement Arrangement (HRA)
- 401K Retirement Plan and Company Match
- Paid Time Off and Paid Holidays
- Time Off for Bereavement Leave, Parental Leave, and Voting
- Paid Time Off Donation
- Paid Time Off Cash Out
- Company-Wide Wellness Program
- Employee Assistance Program (EAP)
- Colleague Referral Program
- Education Reimbursement Program
- Career Planning
- Remote Work Arrangements
- Colleague Pricing on Secondary Market Mortgage Loans
- Colleague Beyond Save & Spend Accounts Perks
- Discount Program
What can you expect from us?
At CCFBank you are more than just a number, you are a partner to our team. We are dedicated to investing in our colleagues and providing them with tools they need to grow and develop their careers.
We prioritize the needs of our community by allocating resources and encouraging colleague involvement across the regions we operate in. We are proud to be a part of our local communities, and we look forward to continuing to support and serve them.
Learn more here about how we make more possible: https://ccf.us/careers/
Ready to be part of our financial family? Apply online at ccf.us!
If you need assistance applying, contact us at HR@ccf.us and we will attempt to meet your needs.
In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position.
CCFBank is committed to fostering and cultivating an inclusive and diverse culture and we are proud to be an Equal Opportunity Employer, including disability and veterans.