Mortgage Loan Officer

Job DescriptionAt CFB, our culture is built on servant leadership, connection, integrity, and growth. We lead by putting people first, supporting our employees, serving our communities. Collaboration and innovation drive us forward, while our deep community roots remind us that what we do makes a difference beyond the bank.We invest in the development of our people, celebrate diverse perspectives, and create opportunities to learn, grow, and lead. When you join CFB, you’re not just building a career, you’re becoming part of a team that is shaping the future of community banking.Benefits:Health, Dental, Vision InsuranceBank Paid Life InsurancePaid Short-Term & Long-Term DisabilityGenerous Matching 401(k) Retirement Plan4 weeks of Paid Time Off (immediate accrual)Purchased Paid Time OffAccess to Earned WagesWellness ProgramCompetitive SalaryTuition ReimbursementPaid Holidays and 3 Float DaysMaternity/Paternity Paid LeaveAnnual Bonus EligibilityCommunity Service ProjectsObjective: The Mortgage Loan Originator is responsible for developing new business, marketing, and originating residential mortgage loans to consumers.Classification: This is a Full Time Base Salary plus commission position and reports to the Residential Mortgage Sales Manager.Job Location: Hamilton CountyEssential Functions for a Mortgage Lender:Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.The position will build and maintain a strong network on internal and external referral sources and generate fee income according to budget.Assess and evaluate the credit worthiness of applicants to arrive at an independent recommendation on the origination and/or continuation of a credit relationship with the Bank.Participate in various community and business organizations and events to ensure CFB Mortgage Department is known in the community.Work with the Mortgage Loan Department to develop and utilize successful marketing strategies.Solicit new loan business from new customers and referral sources in a professional and effective manner.Provide a professional level of information and follow through while working on mortgage loans to ensure a positive experience for the customer. Maintain customer records in a manner that allows for routine contact.Participate in and closes loans with various local and if applicable government agencies in an efficient manner.Work closely with Residential Mortgage Production Assistant during the document preparation, processing, and check disbursal process.Maintain bank product knowledge in a manner that allows for qualified referrals to other bankers for establishing full banking relationships with mortgage customers.Maintain knowledge of compliance requirements for banking products and services.Handle all customer interactions and file records in compliance with bank policy, federal and state regulations and investor requirements.Assists in and responds to internal and external audits and reviews as requested.Assists in collections of past due loans assigned to portfolio in an effective and timely manner.Attend continuous training to stay on top of industry trends, developments and changes in regulatory laws.Ensures confidentiality of bank and customer service data throughout the life of the loans serviced.Maintain proficiency in using all applicable software to this position.Performs other duties and responsibilities as assigned.Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.Competencies:Communications Proficiency.Technical Capacity.Personal Effectiveness/Credibility.Financial Management.Education/Qualifications:High School diploma, or equivalent.One to two years of Lending experience required.Established relationships within the local community and in job-related organizations.Ability to provide a high level of customer service experience to both internal and external customers.Excellent verbal and written communication skills.Strong attention to details and accuracy of work.Strong technical skills, including knowledge of Microsoft Office products.