Job DescriptionSalary:
The LoanOfficer is responsible for underwriting quality consumer loans in compliance with applicable laws, regulations, and credit union policies. This role includes providing accurate and timely responses to members regarding loan decisions, as well as gathering necessary documentation to ensure complete loan packages. The LoanOfficer is expected to generate quality loans that meet the needs of both the credit union and its members.
In addition to lending responsibilities, this position plays a key role in delivering exceptional member service. The LoanOfficer promotes credit union products and services while ensuring all interactions are handled in a friendly, timely, and professional manner.
Responsibilities
Lending & Underwriting
Interview members, provide guidance on consumer lending options, and complete accurate loan applications.
Analyze loan applications, credit reports, collateral, financial statements, and supporting documents to make sound and consistent lending decisions within assigned authority.
Calculate debt-to-income ratios, assess collateral valuation, and determine overall loan quality.
Administer loan documentation and creditworthiness reviews to ensure timely and compliant loan closings.
Manage indirect lending activities by analyzing applications submitted through dealerships, funding approved loans, and reaching out to members directly to resolve questions or documentation issues.
Communicate and troubleshoot issues within the indirect lending platform to ensure smooth processing and member satisfaction.
Collaborate with management to strengthen dealer relationships and increase participation in the credit unions indirect lending program.
Identify and pursue opportunities for cross-selling additional credit union loan products and services.
Compliance & Risk Management
Stay current with lending and collection regulations, ensuring all activities comply with applicable laws and credit union policies.
Maintain working knowledge of regulations including Reg B, Reg Z, Reg CC, the Fair Credit Reporting Act, the Bank Secrecy Act, the Patriot Act, Anti-Money Laundering requirements, and SAFE Act guidelines.
Uphold all Jefferson Credit Union policies and procedures while safeguarding member and credit union interests.
All other duties as assigned by management.
Required Qualifications
High school diploma or equivalent; associate or bachelors degree in Finance, Business, or related field preferred.
13 years of experience in consumer lending, underwriting, or related financial services.
Working knowledge of loan origination systems, credit analysis, and indirect lending processes.
Familiarity with compliance and regulatory standards including Reg B, Reg Z, FCRA, BSA/AML, and SAFE Act.
Strong financial analysis skills with ability to calculate debt-to-income ratios and assess collateral values.
Excellent communication and interpersonal skills with a professional, member-focused approach.
Proficiency with Microsoft Office and ability to learn new software quickly.
Highly organized and detail-oriented, able to manage multiple applications and deadlines.
Preferred Qualifications
Bachelors degree in Finance, Business Administration, or related field.
3+ years of experience in a credit union or community banking environment.
Experience with indirect lending platforms and direct communication with dealerships.
Established understanding of risk-based lending and consumer loan portfolio management.
Demonstrated success in cross-selling financial products and services.
$35k-47k yearly est. 27d ago
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Mortgage Lending Officer
River Financial Corporation 4.2
Loan officer job in Vestavia Hills, AL
RB&T Mission Statement: As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals. River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement/relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly.
Essential Duties and Responsibilities:
Reasonable accommodations may be made to enable individuals with disabilities to perform the
essential functions. The essential functions include, but are not limited to the following:
* Interview customers to determine their mortgage needs
* Responsible for collecting financial information & evaluating creditworthiness and eligibility
to obtain a mortgage loan
* Guide the customer through their options and throughout the process
* Prepare and submit mortgage loan applications
* Ensure data are in line with national and local financial guidelines
* Keep the customer informed throughout each step of the process
* Help resolve problems/conflict with applications
* Ensure compliance with privacy laws and confidentiality throughout the process
* Build and maintain customer relationships, internal referral network, and community
involvement
Minimum Qualifications:
* High School diploma or equivalent
* At least (2) years' experience in related or equivalent mortgage banking
* Knowledge & understanding of real estate lending criteria, compliance, federal/state
regulations, loan origination and servicing software
Skills, Abilities & Expectations:
* Be familiar with and follow policy and procedures, and support Management's decisions
and goals in a positive, professional manner.
* Stay abreast of regulatory requirements and complete annual compliance training
applicable to the position
* Assuring customer service is top priority whether internally or externally; treating
customers and employees professionally, with courtesy and respect
* Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
* Detail oriented and organized
Mortgage Loan Originator Job Description
* Ability to analyze financial information
* Excellent interpersonal and communication skills
* Integrity, discretion, and respect for confidential information are absolutely essential
* Willingness to adapt to change
* Work within a variety of different software and web applications
* Able to prioritize duties and effectively manage time
* Analytical and problem-solving skills
* Attend work on a regular basis, on time, and withstand varying degrees of stress
* Excellent interpersonal and communication skills
* Maintaining a professional, business-like appearance and demeanor
* Proficiency in Microsoft Office products to include: Word, Excel, and Outlook
Physical Demands:
The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit;
talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk;
reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special
vision requirements include close, distant, and peripheral vision; depth perception; and the
ability to adjust focus. The noise level in the work environment is usually moderate. The work
environment and physical demands are those of a standard retail branch setting. Reasonable
accommodations may be made to enable individuals with disabilities to perform the essential
functions of the job.
Disclaimer:
The above information has been designed to indicate the general nature and level of work
performed within this job. It is not designed to contain or be interpreted as a comprehensive
inventory of all duties, responsibilities, and qualifications required of employees assigned to the
job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of
stress. This position description describes the minimum selection requirements to qualify for the
position. Promotion and other employment decisions are based on employer needs, being in
good standing, fully competent performance, and other non-discriminatory subjects.
$33k-48k yearly est. 60d+ ago
Mortgage Lending Officer
River Bank & Trust 4.2
Loan officer job in Vestavia Hills, AL
RB&T Mission Statement:
As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.
River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement/relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly.
Essential Duties and Responsibilities:
Reasonable accommodations may be made to enable individuals with disabilities to perform the
essential functions. The essential functions include, but are not limited to the following:
- Interview customers to determine their mortgage needs
- Responsible for collecting financial information & evaluating creditworthiness and eligibility
to obtain a mortgage loan
- Guide the customer through their options and throughout the process
- Prepare and submit mortgage loan applications
- Ensure data are in line with national and local financial guidelines
- Keep the customer informed throughout each step of the process
- Help resolve problems/conflict with applications
- Ensure compliance with privacy laws and confidentiality throughout the process
- Build and maintain customer relationships, internal referral network, and community
involvement
Minimum Qualifications:
- High School diploma or equivalent
- At least (2) years' experience in related or equivalent mortgage banking
- Knowledge & understanding of real estate lending criteria, compliance, federal/state
regulations, loan origination and servicing software
Skills, Abilities & Expectations:
- Be familiar with and follow policy and procedures, and support Management's decisions
and goals in a positive, professional manner.
- Stay abreast of regulatory requirements and complete annual compliance training
applicable to the position
- Assuring customer service is top priority whether internally or externally; treating
customers and employees professionally, with courtesy and respect
- Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
- Detail oriented and organized
Mortgage Loan Originator Job Description
- Ability to analyze financial information
- Excellent interpersonal and communication skills
- Integrity, discretion, and respect for confidential information are absolutely essential
- Willingness to adapt to change
- Work within a variety of different software and web applications
- Able to prioritize duties and effectively manage time
- Analytical and problem-solving skills
- Attend work on a regular basis, on time, and withstand varying degrees of stress
- Excellent interpersonal and communication skills
- Maintaining a professional, business-like appearance and demeanor
- Proficiency in Microsoft Office products to include: Word, Excel, and Outlook
Physical Demands:
The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit;
talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk;
reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special
vision requirements include close, distant, and peripheral vision; depth perception; and the
ability to adjust focus. The noise level in the work environment is usually moderate. The work
environment and physical demands are those of a standard retail branch setting. Reasonable
accommodations may be made to enable individuals with disabilities to perform the essential
functions of the job.
Disclaimer:
The above information has been designed to indicate the general nature and level of work
performed within this job. It is not designed to contain or be interpreted as a comprehensive
inventory of all duties, responsibilities, and qualifications required of employees assigned to the
job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of
stress. This position description describes the minimum selection requirements to qualify for the
position. Promotion and other employment decisions are based on employer needs, being in
good standing, fully competent performance, and other non-discriminatory subjects.
$24k-37k yearly est. 60d+ ago
Mortgage Loan Officer - Birmingham Area | Full-Time
Avadian Credit Union 3.6
Loan officer job in Hoover, AL
Full-time Description
Primary Job Role: Originates, acquires, and markets quality residential loans, including top-tier construction loan options and in-house portfolio loan products designed to help Mortgage LoanOfficers close outside-the-box loans. Develops marketing and promotional strategies to attract new business, while networking and building community relationships with business professionals and related organizations.
Functions and Responsibilities:
Acquire new mortgage loans by solicitation and marketing, and maintain a quality network of business relationships.
Develop and execute marketing plan based on monthly and quarterly production standards.
Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements.
Structure loans in accordance with established lending practices and federal regulatory requirements.
Demonstrate a commitment to professional ethics and complying with all Federal and State laws and regulations.
Examine surveys and appraisals to identify and address encroachments, violations, or other discrepancies as needed.
Cross-sells other Credit Union services to members.
Prepare and analyze all documents required for real estate loans.
Requirements
Basic Requirements:
Outside sales background in mortgages REQUIRED.
Proven track record of superior sales performance.
Knowledge on agency and investor regulations and guidelines.
Strong verbal and written communication and presentation skills.
Capacity to work independently and ability to participate productively as part of a team in a fast pace environment.
Demonstrate the ability to create a network of centers of influence that make referrals.
Experience: One year as a LoanOfficer or Loan Originator with outside sales experience is required. Must have excellent verbal and written communications skills. Demonstrated success in building and maintaining referral networks within the mortgage industry, including realtors, builders, financial planners, and other strategic partners.
Education: College degree in a related field preferred, but not required.
Compensation: Competitive base salary with commission-based incentives.
----------------------------------------------
Please note - submitting a resume does not guarantee any future action by Avadian Credit Union.
Avadian Credit Union is an Equal Opportunity Employer.
$29k-44k yearly est. 4d ago
Loan Originator
First Federal Bank 3.3
Loan officer job in Birmingham, AL
First Federal Bank is seeking high achievers to contribute to its mortgage origination team.SUMMARY
This commission based position is for resilient self-starters who perform well under pressure in a fast paced environment. Critical thinking, problem solving, strong work ethic and oral and written communication skills are required.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned:
Increase new mortgage business by networking with industry professionals, primarily Realtors, growing relationships within the community and maintaining relationships with previous clients.
Prepare and submit loan applications by interviewing applicants and reconciling data received by applicants.
Communicate with applicant during the mortgage process.
Ensure compliance with all federal, state and bank regulations -Structures loan products to best meet applicant's needs.
Have knowledge and understanding of Agency loan products and guidelines, loan origination software and CRM.
Conduct business with integrity and high moral character.
Contribute maximum effort to grow relationships with branch team and client base on behalf of the Bank.
Responsible for complying with the BSA/AML and Red Flags policy.
Researching any necessary information regarding the BSA/AML and Red Flags policy and if necessary, reporting to senior management and/or the compliance department.
Required to attend classroom or online BSA/AML and Red Flags training annually.
SUPERVISORY RESPONSIBILITIES
None
EDUCATION and/or EXPERIENCE REQUIRED
High School diploma or equivalent.
EXPERIENCE PREFERENCE:
Established loan originator with 2+ years' experience; sales professional with mortgage or similar industry experience; previous mortgage industry experience.
First Federal Bank is an equal opportunity employer.
$29k-39k yearly est. Auto-Apply 60d+ ago
Smart Home Consultant
ADT Security Services, Inc. 4.9
Loan officer job in Pelham, AL
JobID: 3018521 JobSchedule: Full time JobShift: : As a Smart Home Consultant, you will be a sales solutions expert and a brand ambassador for ADT's 6 million customers. As the key point of contact for home automation clients, you will answer inquiries, provide technical advice, and demonstrate how to use new products and services. Additionally, in this role, you will install and activate security and Smart Home products while upselling solutions that best meet the needs of ADT's residential customers.
A day in the life of a Smart Home Consultant looks like this:
* Build relationships between new customers and the ADT brand and product portfolio
* Complete in-home consultation and assessment
* Perform installation and activation of equipment - including home security camera, security hardware, and IoT and smart home devices
* Complete customer onboarding and education of key products and services
* You will work in a dynamic, collaborative environment, working closely with customers and coworkers
* This role involves providing solutions by visiting customers at their homes or businesses
Training Program:
ADT offers a comprehensive paid training program for this role regardless of experience. Our team is enthusiastic about developing you into a best-in-class Smart Home Consultant.
Job Requirements
* High School diploma or the equivalent
* Valid driver's license
When you commit to ADT -we commit to you. Our employees receive a comprehensive, full benefits package that includes:
* Comprehensive paid training program
* Full benefits on the 1st of the month after 31 days of employment
* Health = Medical & Prescription, Dental, Vision, Health Savings & Flex Spending
* Future = 401(k) with employer matching
* Life = Paid vacation time
* Company vehicle provided
* Base salary plus the potential to earn unlimited commissions and ability to earn additional pay for completing jobs and exceeding quality standards
* Tuition reimbursement
* Employee Referral bonuses - when you refer a friend or family members
This role offers:
* Hourly pay: $17.00
* Earning potential: Average of $105,000 annually with uncapped upsell commissions, job completion pay, quality bonuses, and referral incentives
Training:
* Paid $320 per week during the three-week onboarding program
* Includes New Technician Training, Field Safety Training, and Peer-to-Peer Training
* Company vehicle provided for work use
Benefits:
* Medical, dental, and vision coverage
* 401(k) with company match
* Tuition reimbursement
* Short- and long-term disability, life insurance, and well-being benefits
* Paid time off
$19k-25k yearly est. Auto-Apply 54d ago
Loan Specialist II - Due Diligence
Servisfirst Bank 4.0
Loan officer job in Birmingham, AL
Job Description
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Loan Specialist II - Due Diligence is responsible for assembling loan documentation for commercial and consumer loans in accordance with regulatory requirements and Bank policy. Loan packages must be prepared accurately and forwarded for further processing in a timely manner in order to ensure quality service and minimize inconvenience to the customer. Because of market volatility and spikes in loan volume, the Loan Specialist II must be able to work under deadline pressure while still ensuring accuracy.
The incumbent will:
Review submitted pre-closing nCino Doc Prep Memo or nCino Credit Memo and documentation to ensure all documents necessary to process the loan have been received and address all outstanding exceptions
Review and clear existing collateral exceptions on renewal loans prior to moving to Doc Prep
Ensure all loan requests include proper approval to include aggregate debt, floors and fee waiver approvals
Review in-house loan documentation for commercial, consumer and real estate loans in accordance with Bank policy and regulatory requirements, within 12 hours of receipt of completed supporting documentation package, to include complex loans
Utilize external websites and vendors to acquire information to complete required information for loan packages
Ensure all internal systems (nCino, Footprints, etc.) are updated in a timely manner
Upon satisfactory documentation completion of loan package, submit to Doc Prep for review
Train new hires and cross train all existing employees
Maintain process manual on shared drive and compose procedures for any new processes
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
High school diploma or equivalent
Three (3) or more years of related experience
Extensive commercial and consumer loan documentation experience to include knowledge of collateral perfection and related regulations
Excellent understanding of credit administration procedures as demonstrated in previous position gathering and assembling loan documents
Experience working with no supervision while performing duties
Excellent organizational and time management skills, as demonstrated by experience meeting deadlines
Experience working with Microsoft Word and Excel
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sitting at a desk or workstation for long periods of time.
Occasionally lifting and/or moving materials that weigh 1 to 25 pounds.
Frequently typing using a keyboard and/or calculator.
Normal office environment with constant comfortable temperatures and exposure to low noise level (e.g., faxes, phones, printers, etc.).
EOE/AA
$27k-63k yearly est. 20d ago
Branch Loan Underwriter- Birmingham Area
Amfirst Career
Loan officer job in Birmingham, AL
AmFirst is committed to trust, integrity, and financial wellness. We love giving our members exceptional service and value. We treat our employees just the sameâ -like family. AmFirst provides growth, opportunity, and development. We offer our employees an extensive benefits package.
Role: Assists members and potential members with their financial needs, opens new accounts, processes account transactions, resolves problems, and provides assistance and information regarding products and services.
Essential Functions & Responsibilities
Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve. Refers problems that are beyond their authority to their supervisor, along with their recommendations.
Performs all consumer loan functions including selling services, quoting rates, utilizing the lending software and closing loans.
Identifies cross-sell opportunities and cross-sells services to members.
Ensures appropriate records are maintained and required reports are prepared.
Conducts audits of system information and member documents.
Acts as liaison between members and various departments.
Represents the branch as appropriate in its relationships with members, sponsor organizations(s), business partners, other financial institutions and similar groups.
Performs other job-related duties as assigned.
Performance Measurements
Open all accounts, certificates, loans, and other credit union products or services accurately, ensuring all related forms and documents are completed in a timely manner.
Actively cross-sell products and services to members to achieve or exceed all established sales goals and assist in meeting corporate goals.
Troubleshoot and resolve member and internal inquiries in a timely and accurate manner.
Ensure compliance with all applicable credit union policies and procedures.
Maintain Quality Loop scores within the branch of 6.7 or higher.
Knowledge & Skills
Experience - Minimum 6 months experience in New Accounts.
Education - A high school education or GED.
Interpersonal Skills - Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
Other Skills - Must be able to utilize various computer programs to obtain and enter information. Must demonstrate strong public contact and telephone skills. Must demonstrate good judgement in order to resolve member issues and to offer other services. Must be current on all policies and procedures related to teller and new account functions and be fully versed on all services offered by the credit union. Must demonstrate familiarity with the lending function; including taking consumer loan applications, cross selling, and closing consumer loans. Must have experience in handling share certificates and IRA accounts. Must be able to change job function as member traffic dictates to meet member needs.
Physical Requirements - Light lifting required.
$33k-51k yearly est. 11d ago
Birmingham, AL - Mortgage Loan Originator
FBC Mortgage LLC 4.4
Loan officer job in Birmingham, AL
Job Description
FBC is hiring seasoned Mortgage Loan Originators in our Birmingham, AL branch!
Job Requirements:
Successful Mortgage Loan Originators will proactively identify, develop and maintain a quality network of business relationships that will serve as a source of referrals for new mortgage lending opportunities. The external relationships fostered may consist of realtors, builders, professional and personal contacts. Successful Loan Originators participate in business related development opportunities, community efforts to promote home ownership and professional organizations. The Loan Originator is responsible for interviewing new and existing customers to determine their financial needs and advising those customers of appropriate products, terms, and pricing. The Loan Originator will navigate the borrower through the process and help to gather required information through clear and timely communication. The Loan Originator is the first line of defense for the company and its investors, he or she is responsible for the submission of clear accurate loan documentation and maintaining industry compliance regulations. The Loan Originator must ensure appropriate procedures are followed while meeting sales goals and objectives.
3+ years of retail residential mortgage origination experience
Documented residential mortgage loans closed volume in the past 12 months of $750,000 - $1 million per month in production
Established relationships with local referral networks
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Proficient in product guidelines for Conventional, FHA, and VA loans
Strong PC skills and experience utilizing laptop technology
Must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and maintain active NMLS licensure
What We Offer:
Opportunity to become a part of a reputable Mortgage Lender that has built a proven template for success in the Residential Lending Industry
Confidence in our internal operations staff to be able sell and deliver on service level commitments to your clients and referral partners
Local Underwriting, Processing, Closing, and Sales Support
Ability to grow client and referral partner base
Access to the Underwriters when needed
Portfolio Lending and Construction Lending with the ability to broker out if needed
Support to build long term client and referral partners relationships
Competitive and flexible compensation plans to fit multiple business models
FNMA Direct Seller/Servicer
Extensive Loan Product Options to offer your clients
Industry Leading Technology with Paperless Workflow Systems
Marketing Department to support you through customized campaigns directed at your specific target markets.
Ability to earn “Marketing Credits” based on loan volume to pay for your marketing efforts
Corporate Trainer for the Encompass Loan Origination System
Company and Division Overview:
FBC Mortgage, LLC is a National Mortgage Lender headquartered in Orlando, Florida. FBC Mortgage focuses on providing its customers and business partners with industry best services. “At FBC our vision is simple, to become a Top 10 Mortgage Banker by focusing on providing extraordinary customer service, a great work environment, and a team atmosphere. We will implement best in industry systems, produce high quality loans and always be mindful doing it better than the competition.
FBC Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace
$23k-36k yearly est. 27d ago
Mortgage Loan Originator
Local Bank 4.1
Loan officer job in Birmingham, AL
Job DescriptionDescription:
The Mortgage Loan Originator is responsible for generating residential mortgage loan production through developing and maintaining strong client relationships, providing exceptional service, and guiding customers through the home loan process. This role actively seeks new business opportunities, evaluates borrower needs, and ensures all mortgage applications comply with regulatory and bank policies.
Key Responsibilities:
Business Development & Customer Service
Build and maintain a strong pipeline of mortgage prospects through referrals, community involvement, networking, and real estate partnerships.
Conduct borrower consultations to understand financial goals and recommend suitable mortgage solutions.
Maintain consistent, timely communication with borrowers, realtors, builders, and internal partners throughout the loan process.
Deliver exceptional service to promote customer satisfaction, repeat business, and referrals.
Loan Origination & Processing
Assist borrowers with mortgage pre-qualification, pre-approvals, and full loan applications.
Collect and verify financial documentation to ensure complete and accurate submission.
Collaborate with underwriters, processors, and closing staff to facilitate efficient and timely loan decisions.
Monitor loan progress and proactively address information requests or conditions.
Compliance & Risk Management
Ensure all loan interactions and documentation comply with federal, state, andbank regulations such as RESPA, TILA, HMDA, and Fair Lending.
Maintain accurate and complete loan records in accordance with bank standards.
Stay current on mortgage programs, market trends, interest rates, and regulatory changes affecting the mortgage industry.
Performance & Reporting
Meet or exceed individual production goals and performance expectations.
Track and report pipeline activity, conversion ratios, and lead sources.
Participate in sales meetings, product training, and professional development opportunities.
Any other duties and responsibilities as assigned.
Requirements:
Working Conditions:
· Standard office environment with frequent local travel for customer meetings, realtor visits, and community involvement.
· Flexibility to work some evenings or weekends based on borrower availability.
· Ability to represent the bank professionally at networking and community events.
· Prolonged periods sitting at a desk and working on a computer.
· Must be able to lift up to 15 pounds at times.
· Professional attire required.
Qualifications
· High school diploma or equivalent; associate or bachelor's degree preferred.
· 2+ years of mortgage origination, sales, or banking experience.
· Active NMLS registration with the ability to maintain SAFE Act compliance.
· Strong understanding of residential mortgage products, underwriting standards, and the loan process.
· Excellent interpersonal, communication, and problem-solving skills.
· Ability to work independently, manage multiple loan files, and prioritize deadlines.
· Established referral network (realtors, builders, financial professionals).
$27k-36k yearly est. 13d ago
Mortgage Loan Closer
Hope CU
Loan officer job in Birmingham, AL
HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health of people in under-resourced Deep South communities. Since 1994, these efforts have benefited more than three million people in Alabama, Arkansas, Louisiana, Mississippi and Tennessee, and influenced billions in persistent poverty communities across the nation. Learn more at ************************
Title: Mortgage Loan Closer
Department: Mortgage
Reports to: Mortgage Closing Manager
Supervises: N/A
Job Classification: Full-time, Non-Exempt
Location: Birmingham, AL, Hybrid
Job Summary
The Mortgage Loan Closer is responsible for closing, funding and reviewing residential mortgage loans in accordance with the terms and conditions of the loan approval.
Primary and Essential Functions:
Ensure closing packages are completed within TRID guidelines
Ensure accuracy of documents received before completion of CD
Provide Accounting Department a Daily Cash Sheet for forecast of funding/purchasing of loans
Review file for underwriting instructions, title commitment, flood certification, hazard insurance coverage, flood insurance coverage, clearance of termite, and BSA compliance
Prepare documentation required for residential mortgage, grant, and bond closings
Provide closing documents to closing agent
Review HUD-1 for approval
Wire funds to closing agent upon approval
Upon receipt of completed closing package from closing agent, review loan documentation
Log receipt of closing package and delivery to servicing
Notify closing agent if there are errors in retail loan closing package
Notify correspondent lender of outstanding conditions on wholesale loans
Perform a full review of files received for purchase from correspondent lenders for underwriting conditions and for proper closing of loans
Communicate with correspondent lender for any outstanding conditions on files received for purchase
Follow-up on post-closing items in a timely fashion
Provide excellent internal and external customer service
Provide month-end closing report
Secondary Functions:
Perform general administrative duties such as attending meetings, report production, etc.
Assist Loan Specialist in review process
Assist other departments as a Mortgage Loan Closer
Assist in review and response of Quality Control Audits
Work with other departments when needed on projects related to the mission of ECD/HOPE
Accountability for Business Results:
Mortgage closing cycle time
Proper closing of loan
Ensuring correct funds for closing
Specified Authority Level:
Approve HUD-1 form
Approve loan for purchase based on Underwriter approval
Approve funding for wiring
Qualifications:
Bachelor's degree in relevant field or equivalent experience
Two years of experience in residential mortgage loan documentation and closing
Demonstrated strength in ability to manage multiple projects at once while maintaining appropriate attention to details
Physical Demands:
Employee is regularly required to sit, stand and walk.
Employee will be in constant use of keyboard, which would require use of hands and fingers.
Employee will be in constant communication with other persons related to work and requiring the use of hearing and speaking.
Employee must infrequently lift and/or move up to 10 pounds.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Work Environment:
Employee spends the majority of time in office environment, generally accessible to the public, customers, and potential customers.
Noise level in the work environment is usually moderate.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Hope Enterprise Corporation does not participate in or engage in any form of visa sponsorship, including employment-based visa applications or extensions (e.g., H-1B, TN, O-1, OPT, STEM OPT, etc.). Candidates must be legally authorized to work in the United States at the time of application and throughout the duration of employment.
We are an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
$34k-47k yearly est. 2d ago
Mortgage Banker
Renasant Corp 4.3
Loan officer job in Birmingham, AL
The Mortgage Banker will be responsible for establishing and maintaining relationships with Renasant Bank Branch Managers, Realtors, and Builders throughout a designated service area for the purpose of generating production of all one to four family residential products (conforming, conventional, FHA, and VA, as well as other products as they become available). This individual will serve as the facilitator of the mortgage loan process and also must maintain productive relationship with mortgage operations staff.
RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER
Responsibilities
* Originate all types of 1-4 family residential loans
* Maintain written goals that are created in conjunction with the Mortgage Banking Department
* Coordinate loan production throughout assigned service area
* Maintain prescribed system status report of all loan cases in process
* Report monthly on the calls made to banks, realtors, and builders
* Communicate with the Mortgage Banking department in order to clarify program changes or updates to branch personnel throughout assigned service area
* Counsel and communicate with the prospective borrower for the purpose of determining what loan products would be applicable
* Schedule appointments to take applications at a location (home, branch office, or work location) convenient to the customer, and work with the customer in the completion of an accurate application and acquisition of supporting documentation
* Gather additional information required for the closing of the mortgage which is requested by the Mortgage Banking Department in a timely manner and maintain a status report of all loans in process
* Assist customer with closing contingencies
* Prepare Good Faith Estimate and Truth-In-Lending within 72 hours from date of application on all applications taken
* Provide the Realtor (if applicable) with a weekly written review on the progress of the loan
* Educate and update branch personnel throughout immediate service area on identification of conforming loan requirements and how to answer customer inquiries
* Establish rapport with the local real estate community and update regularly on programs available by calling on realtors, builders, and attorneys that have an existing relationship with Renasant Bank for the solicitation of the origination of mortgage loans and to determine product needs and coordinate these needs with supervisor
* Survey local market areas regularly
* Establish priority accounts (realtors, builders, title companies, etc.) and visit respective offices at least once a week
* Conduct seminars for local realtors and new associates on different aspects of lending; i.e., conventional, FHA/VA, ARM's, CRA)
* Become active in local affiliations relative to mortgage loan production; i.e., Board of Realtors, Home Builders Association
* Perform all duties in compliance with state and federal regulations and internal policies and procedures as is applicable to the responsibilities of the position
* Attend production meetings as designated by management
* Maintain licenses and certifications, if applicable
* Work independently in an outside sales setting which requires reliable transportation
* Perform other related duties as assigned
The aforementioned duties are all essential job functions of this position.
Qualifications
* High School diploma or equivalent required
* Ability to originate 1-4 family residential mortgage products
* Thorough knowledge of FHLMC/FNMA, FHA, VA, and other general mortgage banking lending procedures and requirements
* Ability to communicate verbally and in writing and to deal cordially with the public
* Ability to organize time effectively
* Ability to learn and comprehend regulatory directives and procedures in a short period of time
* Ability to represent Renasant Bank in a professional manner projecting the image of "Customer Focused Banking"
* Ability to work independently and make decisions following state and federal regulatory guidelines
* Must have a reliable means of transportation to facilitate responsibilities
Physical Demands
The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.
Work Environment
The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank's employees, customers, and assets.
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word "May".
This is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties. Other duties may be assigned as needs arise. Job requirements and/or processes may be modified to reasonably accommodate persons with a disability as required by law.
This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description.
$17k-27k yearly est. Auto-Apply 60d+ ago
Mortgage Loan Processor
First Horizon Corp 3.9
Loan officer job in Birmingham, AL
The Mortgage Processor Role will be responsible for performing a variety of documentation duties related to both agency and portfolio loans while ensuring compliance with policies and procedures for all loan products. Candidates must possess proficiency with technology and a strong sense of urgency with an ability to work in a team environment while maintaining excellent organization and communication skills. Candidates must also have the ability to self-manage a pipeline of 25-35 loans at all times.
Essential Duties and Responsibilities:
* Ability to self-manage a pipeline of 25-35 loans on a daily/weekly basis.
* Ability to calculate complex income streams and assist in restructuring of loan files.
* Maintain daily workflow prioritization to ensure closing dates are met.
* Adhere to published SLAs to promote effective pipeline management.
* Order all required verifications and documentation as required by product guidelines and underwriting.
* Analyze and ensure all documentation received are accurate and meets product guidelines and underwriting conditions.
* Responsible for monitoring rate locks and initiating any Change of Circumstances for re-disclosure requirements.
* Ensure follow-up to all Pre-Funding and Post-Closing Audits as requested.
* Provide excellent customer service to both internal and external clients.
* Communicate effectively with all parties to the transaction to keep them informed of file status.
* Mentor and provide assistance to Mortgage Processors I and II.
* All other duties as assigned
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required.
* High school Diploma or General education degree with a minimum of five years of Mortgage Loan Processing experience.
* Ability to effectively use various computer software applications.
* Ability to embrace and adopt all Technology as set forth by the line(s) of businesses.
* Working knowledge of Mortgage Residential Loan Workflow from Origination to Post Closing.
* Basic accounting and mathematical skills.
* Ability to effectively Multitask.
* Work successfully in a fast-paced working environment and meet critical deadlines.
* Delivers excellent verbal customer service.
* Demonstrates Leadership
* Excellent interpersonal skills/Champions Teamwork
* Goal and success oriented.
* Self-Starter
* Highly organized, proven track record of successfully managing Time and Pipeline execution.
* A "sales" mindset
* Retail channel experience (partnering with MLOs, Operations, Underwriters, Regional Mgrs. & Bank Execs).
* Focus on Quality and Understanding of Regulation/Compliance requirements.
* Excellent verbal and written communication skills, bi-lingual in English and Spanish helpful.
* Ability to effectively multi-task, work well in a fast-paced working environment and meet critical deadlines.
* Commitment to a positive customer experience (internal and external).
NMLS Language
As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.
About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at *********************
Benefit Highlights
* Medical with wellness incentives, dental, and vision
* HSA with company match
* Maternity and parental leave
* Tuition reimbursement
* Mentor program
* 401(k) with 6% match
* More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Follow Us
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Instagram
YouTube
$32k-41k yearly est. 38d ago
Mortgage Lending Officer
River Bank & Trust 4.2
Loan officer job in Birmingham, AL
Mortgage Lending Officer
RB&T Mission Statement:
As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.
River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement/relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly.
Essential Duties and Responsibilities:
Reasonable accommodations may be made to enable individuals with disabilities to perform the
essential functions. The essential functions include, but are not limited to the following:
- Interview customers to determine their mortgage needs
- Responsible for collecting financial information & evaluating creditworthiness and eligibility
to obtain a mortgage loan
- Guide the customer through their options and throughout the process
- Prepare and submit mortgage loan applications
- Ensure data are in line with national and local financial guidelines
- Keep the customer informed throughout each step of the process
- Help resolve problems/conflict with applications
- Ensure compliance with privacy laws and confidentiality throughout the process
- Build and maintain customer relationships, internal referral network, and community
involvement
Minimum Qualifications:
- High School diploma or equivalent
- At least (2) years' experience in related or equivalent mortgage banking
- Knowledge & understanding of real estate lending criteria, compliance, federal/state
regulations, loan origination and servicing software
Skills, Abilities & Expectations:
- Be familiar with and follow policy and procedures, and support Management's decisions
and goals in a positive, professional manner.
- Stay abreast of regulatory requirements and complete annual compliance training
applicable to the position
- Assuring customer service is top priority whether internally or externally; treating
customers and employees professionally, with courtesy and respect
- Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
- Detail oriented and organized
Mortgage Loan Originator Job Description
- Ability to analyze financial information
- Excellent interpersonal and communication skills
- Integrity, discretion, and respect for confidential information are absolutely essential
- Willingness to adapt to change
- Work within a variety of different software and web applications
- Able to prioritize duties and effectively manage time
- Analytical and problem-solving skills
- Attend work on a regular basis, on time, and withstand varying degrees of stress
- Excellent interpersonal and communication skills
- Maintaining a professional, business-like appearance and demeanor
- Proficiency in Microsoft Office products to include: Word, Excel, and Outlook
Physical Demands:
The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit;
talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk;
reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special
vision requirements include close, distant, and peripheral vision; depth perception; and the
ability to adjust focus. The noise level in the work environment is usually moderate. The work
environment and physical demands are those of a standard retail branch setting. Reasonable
accommodations may be made to enable individuals with disabilities to perform the essential
functions of the job.
Disclaimer:
The above information has been designed to indicate the general nature and level of work
performed within this job. It is not designed to contain or be interpreted as a comprehensive
inventory of all duties, responsibilities, and qualifications required of employees assigned to the
job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of
stress. This position description describes the minimum selection requirements to qualify for the
position. Promotion and other employment decisions are based on employer needs, being in
good standing, fully competent performance, and other non-discriminatory subjects.
$24k-37k yearly est. 9d ago
Loan Originator
First Federal Bank 3.3
Loan officer job in Birmingham, AL
This commission based position is for resilient self-starters who perform well under pressure in a fast paced environment. Critical thinking, problem solving, strong work ethic and oral and written communication skills are required.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned:
Increase new mortgage business by networking with industry professionals, primarily Realtors, growing relationships within the community and maintaining relationships with previous clients.
Prepare and submit loan applications by interviewing applicants and reconciling data received by applicants.
Communicate with applicant during the mortgage process.
Ensure compliance with all federal, state and bank regulations -Structures loan products to best meet applicant's needs.
Have knowledge and understanding of Agency loan products and guidelines, loan origination software and CRM.
Conduct business with integrity and high moral character.
Contribute maximum effort to grow relationships with branch team and client base on behalf of the Bank.
Responsible for complying with the BSA/AML and Red Flags policy.
Researching any necessary information regarding the BSA/AML and Red Flags policy and if necessary, reporting to senior management and/or the compliance department.
Required to attend classroom or online BSA/AML and Red Flags training annually.
SUPERVISORY RESPONSIBILITIES
None
EDUCATION and/or EXPERIENCE REQUIRED
High School diploma or equivalent.
EXPERIENCE PREFERENCE:
Established loan originator with 2+ years' experience; sales professional with mortgage or similar industry experience; previous mortgage industry experience.
First Federal Bank is an equal opportunity employer.
$29k-39k yearly est. Auto-Apply 60d+ ago
Loan Specialist II - Commercial Flood Risk
Servisfirst Bank 4.0
Loan officer job in Birmingham, AL
Job Description
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Loan Specialist II - Commercial Flood Risk is responsible for the due diligence required for FDPA (Flood Disaster Protection Act) compliance for all transactions requiring special handling Life of Loan monitoring processes related to Lender Placed Insurance (LPI) and Policy Renewals. Interfaces with Flood Vendors, Line of Business (LOB) partners, Asset Managers, insurance agents, stakeholders to drive completion and resolution of file analysis. The Commercial Flood Risk Analyst is key to ensuring ServisFirst Bank is fully assessing flood related risk.
Also, responsible for processing any or all of the following: Insurance Policies for all accounts with a balance in excess of $250,000, other collateral as requested, and Exception Clearing.
The incumbent will:
Communicate with Flood Vendors, LOB partners, Asset Managers, insurance agents, and stakeholders to drive completion and resolution of file analysis
Perform all analysis and execution of the most complex transactions related to regulated pre-close approval, and Life of Loan (LOL) servicing requirements, including identification of Flood eligible collateral
Lead and contribute to the oversight of all aspects of due diligence performed for compliance, and performing customer, loan and regulatory due diligence needed at each stage of the Life of Loan process
Responsible for ensuring compliance with all bank policies, procedures, and regulatory requirements
Responsible for managing complex portfolio exposure related to the FDPA (Flood Disaster Protection Act) program to include the identification, analysis, and risk mitigation in support of bank Flood policies, programs, and processes
Perform qualitative or quantitative analysis to minimize the possibility of loss and the potential impact for a highly regulated portfolio
Participate in development of recommendations for changes and/or risk mitigation opportunities to reduce or eliminate policy exceptions
Ensure portfolios are maintained to highest standard of regulatory compliance, including updating the System of record to reflect lender placement, should that occur
Provide guidance, assistance, and knowledge support to other team members. Ensure all Life of Loan activities and processes (policies, letters, notices, and coverage amount) are completed, packaged and the full file is submitted for the final comprehensive quality regulatory review
Collaborate with Compliance and Risk Management regarding loan level scenarios related to policy and procedure interpretation to ensure compliance. Proactively escalates issues and takes ownership of resolution path
Engage with the LOB partners, Asset Managers, Flood vendors, and stakeholders to drive completion and resolution of file analysis
Support training needs of other team members and employees and keep current on own training requirements
UCC continuations, amendments, and terminations as needed
Name changes on UCCs and notify lenders when received
Insurance policies received daily
Reports weekly to ensure accounts have current insurance coverage
Process Vehicle Titles for name transfers and liens and track for receipt
Review of Mortgage Releases
Imaging UCC, Insurance documents, and loan files when needed
Collateral exceptions as needed
Assist with special projects as needed
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
High school diploma or equivalent
Three (3) or more years of related or similar experience
Basic knowledge of commercial and consumer loan documentation and related regulations
Ability to complete work in a timely fashion with little to no supervision while performing duties, as demonstrated in previous experience meeting regular production goals
Experience working with Microsoft Outlook, Word and Excel
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained sitting at a desk or workstation
Frequent use of PC, including typing or sustained attention to monitor
Frequent typing using a keyboard and/or calculator
Occasional lifting of basic office files or equipment up to 25 lbs
Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$27k-63k yearly est. 19d ago
Birmingham, AL - Mortgage Loan Originator
Fbc Mortgage LLC 4.4
Loan officer job in Birmingham, AL
FBC is hiring seasoned Mortgage Loan Originators in our Birmingham, AL branch!
Job Requirements:
Successful Mortgage Loan Originators will proactively identify, develop and maintain a quality network of business relationships that will serve as a source of referrals for new mortgage lending opportunities. The external relationships fostered may consist of realtors, builders, professional and personal contacts. Successful Loan Originators participate in business related development opportunities, community efforts to promote home ownership and professional organizations. The Loan Originator is responsible for interviewing new and existing customers to determine their financial needs and advising those customers of appropriate products, terms, and pricing. The Loan Originator will navigate the borrower through the process and help to gather required information through clear and timely communication. The Loan Originator is the first line of defense for the company and its investors, he or she is responsible for the submission of clear accurate loan documentation and maintaining industry compliance regulations. The Loan Originator must ensure appropriate procedures are followed while meeting sales goals and objectives.
3+ years of retail residential mortgage origination experience
Documented residential mortgage loans closed volume in the past 12 months of $750,000 - $1 million per month in production
Established relationships with local referral networks
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Proficient in product guidelines for Conventional, FHA, and VA loans
Strong PC skills and experience utilizing laptop technology
Must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and maintain active NMLS licensure
What We Offer:
Opportunity to become a part of a reputable Mortgage Lender that has built a proven template for success in the Residential Lending Industry
Confidence in our internal operations staff to be able sell and deliver on service level commitments to your clients and referral partners
Local Underwriting, Processing, Closing, and Sales Support
Ability to grow client and referral partner base
Access to the Underwriters when needed
Portfolio Lending and Construction Lending with the ability to broker out if needed
Support to build long term client and referral partners relationships
Competitive and flexible compensation plans to fit multiple business models
FNMA Direct Seller/Servicer
Extensive Loan Product Options to offer your clients
Industry Leading Technology with Paperless Workflow Systems
Marketing Department to support you through customized campaigns directed at your specific target markets.
Ability to earn “Marketing Credits” based on loan volume to pay for your marketing efforts
Corporate Trainer for the Encompass Loan Origination System
Company and Division Overview:
FBC Mortgage, LLC is a National Mortgage Lender headquartered in Orlando, Florida. FBC Mortgage focuses on providing its customers and business partners with industry best services. “At FBC our vision is simple, to become a Top 10 Mortgage Banker by focusing on providing extraordinary customer service, a great work environment, and a team atmosphere. We will implement best in industry systems, produce high quality loans and always be mindful doing it better than the competition.
FBC Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace
$23k-36k yearly est. Auto-Apply 60d+ ago
Mortgage Loan Originator
Local Bank 4.1
Loan officer job in Birmingham, AL
Full-time Description
The Mortgage Loan Originator is responsible for generating residential mortgage loan production through developing and maintaining strong client relationships, providing exceptional service, and guiding customers through the home loan process. This role actively seeks new business opportunities, evaluates borrower needs, and ensures all mortgage applications comply with regulatory and bank policies.
Key Responsibilities:
Business Development & Customer Service
Build and maintain a strong pipeline of mortgage prospects through referrals, community involvement, networking, and real estate partnerships.
Conduct borrower consultations to understand financial goals and recommend suitable mortgage solutions.
Maintain consistent, timely communication with borrowers, realtors, builders, and internal partners throughout the loan process.
Deliver exceptional service to promote customer satisfaction, repeat business, and referrals.
Loan Origination & Processing
Assist borrowers with mortgage pre-qualification, pre-approvals, and full loan applications.
Collect and verify financial documentation to ensure complete and accurate submission.
Collaborate with underwriters, processors, and closing staff to facilitate efficient and timely loan decisions.
Monitor loan progress and proactively address information requests or conditions.
Compliance & Risk Management
Ensure all loan interactions and documentation comply with federal, state, andbank regulations such as RESPA, TILA, HMDA, and Fair Lending.
Maintain accurate and complete loan records in accordance with bank standards.
Stay current on mortgage programs, market trends, interest rates, and regulatory changes affecting the mortgage industry.
Performance & Reporting
Meet or exceed individual production goals and performance expectations.
Track and report pipeline activity, conversion ratios, and lead sources.
Participate in sales meetings, product training, and professional development opportunities.
Any other duties and responsibilities as assigned.
Requirements
Working Conditions:
· Standard office environment with frequent local travel for customer meetings, realtor visits, and community involvement.
· Flexibility to work some evenings or weekends based on borrower availability.
· Ability to represent the bank professionally at networking and community events.
· Prolonged periods sitting at a desk and working on a computer.
· Must be able to lift up to 15 pounds at times.
· Professional attire required.
Qualifications
· High school diploma or equivalent; associate or bachelor's degree preferred.
· 2+ years of mortgage origination, sales, or banking experience.
· Active NMLS registration with the ability to maintain SAFE Act compliance.
· Strong understanding of residential mortgage products, underwriting standards, and the loan process.
· Excellent interpersonal, communication, and problem-solving skills.
· Ability to work independently, manage multiple loan files, and prioritize deadlines.
· Established referral network (realtors, builders, financial professionals).
$27k-36k yearly est. 44d ago
Mortgage Loan Processor
First Horizon 3.9
Loan officer job in Birmingham, AL
The Mortgage Processor Role will be responsible for performing a variety of documentation duties related to both agency and portfolio loans while ensuring compliance with policies and procedures for all loan products. Candidates must possess proficiency with technology and a strong sense of urgency with an ability to work in a team environment while maintaining excellent organization and communication skills. Candidates must also have the ability to self-manage a pipeline of 25-35 loans at all times.
Essential Duties and Responsibilities:
• Ability to self-manage a pipeline of 25-35 loans on a daily/weekly basis.
• Ability to calculate complex income streams and assist in restructuring of loan files.
• Maintain daily workflow prioritization to ensure closing dates are met.
• Adhere to published SLAs to promote effective pipeline management.
• Order all required verifications and documentation as required by product guidelines and underwriting.
• Analyze and ensure all documentation received are accurate and meets product guidelines and underwriting conditions.
• Responsible for monitoring rate locks and initiating any Change of Circumstances for re-disclosure requirements.
• Ensure follow-up to all Pre-Funding and Post-Closing Audits as requested.
• Provide excellent customer service to both internal and external clients.
• Communicate effectively with all parties to the transaction to keep them informed of file status.
• Mentor and provide assistance to Mortgage Processors I and II.
• All other duties as assigned
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required.
• High school Diploma or General education degree with a minimum of five years of Mortgage Loan Processing experience.
• Ability to effectively use various computer software applications.
• Ability to embrace and adopt all Technology as set forth by the line(s) of businesses.
• Working knowledge of Mortgage Residential Loan Workflow from Origination to Post Closing.
• Basic accounting and mathematical skills.
• Ability to effectively Multitask.
• Work successfully in a fast-paced working environment and meet critical deadlines.
• Delivers excellent verbal customer service.
• Demonstrates Leadership
• Excellent interpersonal skills/Champions Teamwork
• Goal and success oriented.
• Self-Starter
• Highly organized, proven track record of successfully managing Time and Pipeline execution.
• A “sales” mindset
• Retail channel experience (partnering with MLOs, Operations, Underwriters, Regional Mgrs. & Bank Execs).
• Focus on Quality and Understanding of Regulation/Compliance requirements.
• Excellent verbal and written communication skills, bi-lingual in English and Spanish helpful.
• Ability to effectively multi-task, work well in a fast-paced working environment and meet critical deadlines.
• Commitment to a positive customer experience (internal and external).
NMLS Language
As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.
About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at *********************
Benefit Highlights
• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Follow Us
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$32k-41k yearly est. 16d ago
Loan Specialist II - Due Diligence
Servisfirst Bank 4.0
Loan officer job in Birmingham, AL
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Loan Specialist II - Due Diligence is responsible for assembling loan documentation for commercial and consumer loans in accordance with regulatory requirements and Bank policy. Loan packages must be prepared accurately and forwarded for further processing in a timely manner in order to ensure quality service and minimize inconvenience to the customer. Because of market volatility and spikes in loan volume, the Loan Specialist II must be able to work under deadline pressure while still ensuring accuracy.
The incumbent will:
Review submitted pre-closing nCino Doc Prep Memo or nCino Credit Memo and documentation to ensure all documents necessary to process the loan have been received and
address all outstanding exceptions
Review and clear existing collateral exceptions on renewal loans prior to moving to Doc Prep
Ensure all loan requests include proper approval to include aggregate debt, floors and fee waiver approvals
Review in-house loan documentation for commercial, consumer and real estate loans in accordance with Bank policy and regulatory requirements, within 12 hours of receipt of completed supporting documentation package, to include complex loans
Utilize external websites and vendors to acquire information to complete required information for loan packages
Ensure all internal systems (nCino, Footprints, etc.) are updated in a timely manner
Upon satisfactory documentation completion of loan package, submit to Doc Prep for review
Train new hires and cross train all existing employees
Maintain process manual on shared drive and compose procedures for any new processes
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
High school diploma or equivalent
Three (3) or more years of related experience
Extensive commercial and consumer loan documentation experience to include knowledge of collateral perfection and related regulations
Excellent understanding of credit administration procedures as demonstrated in previous position gathering and assembling loan documents
Experience working with no supervision while performing duties
Excellent organizational and time management skills, as demonstrated by experience meeting deadlines
Experience working with Microsoft Word and Excel
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sitting at a desk or workstation for long periods of time.
Occasionally lifting and/or moving materials that weigh 1 to 25 pounds.
Frequently typing using a keyboard and/or calculator.
Normal office environment with constant comfortable temperatures and exposure to low noise level (e.g., faxes, phones, printers, etc.).
EOE/AA
The average loan officer in Leeds, AL earns between $24,000 and $59,000 annually. This compares to the national average loan officer range of $30,000 to $69,000.