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You will be responsible for interviewing new and existing customers to determine their needs and advise those customers about the appropriate products, terms, and pricing, that best fit their needs while gathering any additional required information. C&F Mortgage is currently hiring talented Mortgage Loan Officers (LO) who pro-actively identify, develop and maintain networks of business relationships that serves as a source of referrals for mortgage lending opportunities.

<h2>Overview</h2>C&F Mortgage is currently hiring talented Mortgage Loan Officers (LO) who pro-actively identify, develop and maintain networks of business relationships that serves as a source of referrals for mortgage lending opportunities. External relationships are the foundation of generating new business and may consist of realtors, builders, professional and personal contacts. Our LO's are encouraged to participate in business development related opportunities, community efforts to promote home ownership and professional organizations.  You will be responsible for interviewing new and existing customers to determine their needs and advise those customers about the appropriate products, terms, and pricing, that best fit their needs while gathering any additional required information. It will be necessary to generate accurate and complete applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.<h2>Responsibilities</h2><ul><li>Assists customers with inquiries and information requests, and resolves inquiries relating to loan products and services offered.</li><li>Interviews applicant and requests specific information for loan application and enters data into origination software.</li><li>Analyzes the applicant’s financial status, credit, and property for the loan to determine feasibility of loan options and loan program requirements.</li><li>Compiles loan package and provides the applicant information, such as rates, terms, fees, and other credit terms.</li><li>Corresponds with the applicant to resolve questions regarding application information, and requests documentation or information to improve the loan application process.</li><li>Ensures loan applications are complete and accurate.</li><li>Submits loan application to processor.</li><li>Works with applicants to assures timely loan closing.</li><li>Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.</li><li>Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.</li><li>Devise personal marketing system and annual business plan.</li></ul><h2>Qualifications</h2>Ideally the person will have 5 to 7 years of mortgage loan origination experience.  <ul><li>Analytical - Collects and researches data; Uses intuition and experience to complement data.</li><li>Problem Solving - Identifies and resolves problems in a timely manner; Develops alternative solutions.</li><li>Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs.</li><li>Interpersonal - Maintains confidentiality.</li><li>Oral Communication - Speaks clearly and persuasively in positive or negative situations.</li><li>Team Work - Exhibits objectivity and openness to others' views.</li><li>Written Communication - Writes clearly and informatively; Varies writing style to meet needs; Able to read and interpret written information.</li><li>Leadership - Exhibits confidence in self and others;</li><li>Business Acumen - Aligns work with strategic goals.</li><li>Cost Consciousness - Contributes to profits and revenue.</li></ul> Diversity - Shows respect and sensitivity for cultural differences.Ethics - Treats people with respect; Upholds organizational values.Adaptability - Adapts to changes in the work environment; Changes approach or method to best fit the situation. Attendance/Punctuality - Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. Innovation - Meets challenges with resourcefulness.Planning/Organizing - Organizes or schedules other people and their tasks.Professionalism - Approaches others in a tactful manner; Reacts well under pressure.Quality - Monitors own work to ensure quality and meets productivity standards. Education:High school diploma or general education degree (GED)  Certificates and Licenses: Must have NMLS.  Certain states require licensing.  Experience in origination/processing of FHA, VA, other government and Conventional loans. EEO/AA/M/F/Veteran/Disability

C&F Mortgage

Residential Mortgage Loan Officer

Analysis Skills

Business Development

Business Plan

Business Skills

Communication Skills

Customer Support/Service

Data Collection

Diversity

Identify Issues

Interpersonal Skills

Leadership

Licensing

Loans

Market Analysis

Marketing

Meet Sales Quota

Mortgage

Mortgage Lending

Needs Assessment

Presentation/Verbal Skills

Pricing

Problem Solving Skills

Public/Media/Press/Analyst Relations

Quality Monitoring

Real Estate Sales

Residential Mortgages

Team Player

Time Management

C&F Mortgage Corporation

The Front End Fulfillment group will send task to Decisioning, Decisioning acknowledges receipt of file and reviews file for complete documentation. Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks.

Description As the Home Mortgage Loss Mitigation Decisioning, you will perform reconciliation process on files received from Front End Fulfillment Group by going into the loan system. The Front End Fulfillment group will send task to Decisioning, Decisioning acknowledges receipt of file and reviews file for complete documentation. Primary responsibilities include + Evaluate borrower documentation including income, assets, credit reports, employment history, and property details. + Analyze the borrower's financial profile to determine their ability to repay the loan. + Ensure all required documents are complete and accurate + Analyze financial information to determine most effective work out strategy. + Assess creditworthiness and debt-to-income (DTI) ratios. + Ensure the loan meets all regulatory requirements and lender guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA). + Stay updated on changes in underwriting standards and mortgage regulations. + Analyze property valuations to determine loss exposure. + Approve, or deny loan applications based on findings. + Provide conditions for approval if necessary (e.g., additional documentation or clarification) + Collaborate with processors, and other stakeholders to resolve issues. + Clearly communicate underwriting decisions and conditions. + Maintain detailed records of underwriting decisions and rationale. + Utilize automated underwriting systems ((BITB-Back in the Black (BITB) + Complete steps within the decisioning process work flow within assigned timelines to ensure maximum customer experience. + Ensure all regulatory requirements are met for each account within the Work out process. + Update documents to system depository Qualifications, Education, Certifications and/or Other Professional Credentials + Required Qualifications + Strong understanding of mortgage lending guidelines (FHA, VA, Fannie Mae, Freddie Mac). + Proficiency in automated underwriting systems Back in the Black (BITB) + Ability to interpret credit reports, income documentation, and appraisal reports. + Detail-oriented with strong analytical and decision-making skills. + Preferred Qualifications + Requires a bachelor’s degree or two years equivalent experience + Work hours: 40 weekly + Full-time, on-site position + Work Schedule: 8am-5pm Monday -Friday Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 08/31/2025

Citizens

Home Mortgage Loss Mitigation Decisioning

Citizens Bank

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Residential Mortgage Loan OfficerC&F Mortgage

Home Mortgage Loss Mitigation DecisioningCitizens

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