Title Mortgage Loan Officer
Part Time No
City Santa Rosa
State CA
Description As a part of Sterling’s growth initiatives, we are committed to expanding our market area to Northern California. The Northern California area is within Sterling’s established banking footprint under the name of Sonoma Bank. We have opportunities in the following cities: Walnut Creek, Berkley, Concord, Napa, Oakland, Palo Alto, San Fransisco, San Rafael, Santa Rosa, Sebastotol, and Vacaville.
The Mortgage Loan Officer will originate, examine, evaluate, and authorize/recommend approval of customer applications for lines of credit and/or real estate loans from self-generated leads and sources.
Essential Duties:
• Responsible for originating, reviewing, processing, closing, and administering loan proposals.
• Responsible for interviewing mortgage loan applicants and requesting specific information for loan applications.
• Perform business development activities to increase reoccurring production, including: maintenance of a client database, client and customer calling/monitoring efforts, and additional activities as proposed by management.
• Develop and maintain relationships with real estate agents.
• Analyze applicants’ financial status, credit, and property evaluation to determine feasibility of granting loan. Submit applications to processor and/or underwriting for verification and recommendation.
• Responsible for the input of complete and accurate loan application information while ensuring compliance to company policies.
• Responsible for rate locks, issuance of disclosures, overage/underage, and fee waivers.
• Analyze potential loan markets to develop prospects for new loans. Help define existing loan products and develop new loan products to allow improved profitability and sales execution.
Education:
High School Diploma or GED required.
Skills and Knowledge:
3 - 5 years recent mortgage loan officer experience utilizing self generated leads with a minimum $5 million annual production volume.
• Possess a thorough understanding of loan program requirements. Processing and closing knowledge/experience preferred.
• Knowledge of real estate and finance through appropriate experience or certified course work.
• Ability to analyze, understand, and communicate complex loan products.
• Demonstrate self-motivational skills and the ability to work in a high pressure, production-oriented environment while ensuring deadlines are met.
• Possess a high level of interpersonal and sales skills.
• Possess excellent written and verbal communication skills.
Physical Demands: Ability to lift and move file boxes weighing up to 25 lbs.
**No recruiters, agencies, third-party agents, or consultants, please - only direct applications from candidates. All other inquiries must be directed to the Human Resources Department at (509) 458-2711.
Tags: loan officer job, mortgage, mortgage jobs, Sales
