Mortgage Associate Loan Officer

Bell Bank - Goodyear, AZ

Full-time - Entry Level

Goodyear, AZ

Credit Intermediation and Related Activities

About the position

The Mortgage Associate Loan Officer at Bell Bank is responsible for marketing and originating mortgage loans that comply with regulatory and investor guidelines. This role involves assisting senior loan officers in providing exceptional customer service and is designed as a stepping stone to becoming a fully commissioned sales loan officer within 1-3 years. The position emphasizes a family-oriented culture, teamwork, and a commitment to community service through the bank's Pay It Forward initiative.

Responsibilities

• Gather all information necessary for documentation, analysis, disclosure, and underwriting loan applications.
• Structure loans to ensure compliance with product guidelines.
• Submit through DU/LP and review findings to ensure borrower findings meet guidelines.
• Enter all required information into the mortgage loan origination system and order appraisals.
• Solicit and take loan applications in a professional and timely manner in line with company standards and procedures.
• Evaluate credit factors and eligibility to ensure applications meet guideline requirements.
• Provide appropriate borrower compliance information at the time of application, have disclosures signed and delivered.
• Provide disclosures within regulatory guidelines and provide re-disclosure as required by regulatory guidelines through understanding of TRID requirements.
• Provide all necessary applicant information to the processor.
• Price loans according to guidelines and secure signed lock agreements.
• Review CD and prepare the borrower for closing.
• Maintain open communication with agents, borrowers, processors, and closers to provide excellent customer service.
• Assist in developing individual and team marketing plans to expand market share and stimulate loan production.
• Maintain regular customer contact with professional and community organizations to ensure a positive company image.
• Stay up to date on all program, compliance, and investor guidelines and changes that will affect the borrower and Bell Bank Mortgage.
• Provide advice and service to applicants requesting mortgage information.
• Make preliminary determinations of applicants' creditworthiness and issue prequalification statements of borrowers' eligibility.
• Maintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management.
• Assist the senior or mentor loan officer in managing new and existing loan volume.
• Provide high levels of assistance to internal and external customers in person and on the phone.
• Review all documents for completeness and compliance with investor requirements.
• Follow up on missing documents.
• Maintain a comprehensive understanding of the loan origination process and all functions within processing and closing departments.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Conduct activities consistent with established Bell Bank policies, procedures, and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act, and all applicable state and federal laws and regulations.

Requirements

• A minimum of two years of mortgage banking, outside sales, or related experience.
• Familiarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA lending, regulatory compliance, and investor guidelines.
• Ability to develop individual and team strategic plans to market and develop business contacts.
• Ability to work with limited supervision.
• Excellent customer service skills.
• Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.
• Ability to travel to different branches and to off-site meetings to meet with clients or co-workers.

Benefits

• Competitive compensation
• Excellent benefits package