Mortgage Lender

Position Summary

Responsible for soliciting,
negotiating, and assist in coordinating the closing of routine mortgage
loans. Examines, evaluates, and
recommends approval of loan package.
Also promotes business for Bank by developing new residential mortgage
business growth and cross-selling opportunities.

The majority of time worked
is spent out of banking offices.

Essential Duties and
Responsibilities (Other duties may be assigned.)

• Demonstrate knowledge of Bank mortgage loan products
  and services.
• Follow bank policies and procedures, security
  guidelines, and comply with all federal, state and local regulations. Includes coordinating with legal counsel and
  bank operating departments to ensure adherence to laws and regulations relating
  to new and/or revised bank products and services.
• Demonstrate familiarity with underwriting guidelines
  with all of the Bank's investors and programs.
• Support the Bank's CRA and Fair Lending initiatives.
• Interview loan applicants and request required
  information for determining a credit decision.
• Compile loan packages and facilitate negotiation of
  loan structures with applicants, including fees, loan repayment options, and
  other credit terms.
• Conduct credit analysis to support granting loan
  approval within guidelines from approving officer and/or outsourced investor
  guidelines.
• Identify and analyze potential loan markets to develop
  mortgage loan prospects.
• Promote business for the Bank by maintaining good
  customer relations and referring customers to appropriate staff for new
  services using Bank-endorsed techniques and processes.
• Assume ownership of customer problems to achieve
  resolution.
• Serve as primary contact in responding to customer and
  non-customer inquiries relative to mortgage loan products, rates, procedures,
  etc.
• Engage in marketing efforts with realtors, builders
  and others to obtain new business.
  Efforts include but are not limited to realtor open house luncheons,
  meeting with customers after hours, and calling and/or meeting potential
  customers during evening hours and on weekends per realtor request.

Qualifications

• Bachelor'sdegree, or at least 3 years of related
  experience, or an equivalent combination of education and experience.
• Effective oral and written communication skills.
• Effective interviewing skills.
• Ability to speak effectively before groups.
• Ability to compute basic to moderately complex math
  calculations.
• Basic problem-solving and analytical skills. Ability to interpret a variety of
  instructions furnished in written, oral, diagram, or schedule form.
• Proficiency in using personal computers and office
  products (e.g., Word, Excel).
• Excellent customer service and interpersonal skills.
• Ability to work independently.
• Self-starter who is goal- and results-oriented.

Certificates, Licenses,
Registrations

Must be licensed with NMLS
prior to hire or before any mortgage loan applications may be taken.

FIRST COMMUNITY BANK (SC) is an EEO employer - M/F/Vets/Disabled
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