Mortgage Loan Officer - Council Bluffs Iowa

Company: Availa Bank
Location: Council Bluffs, Iowa
Posted On: 01/26/2025

Availa Bank


Description:EEO/AA employer
Availa Bank believes our people make a difference and we recognize that individual differences and experiences strengthen our teams. Each member of our team is empowered to inspire and enable our clients and the communities we serve to achieve financial success. Click the Apply link to find out more.
This is not a remote position.
MORTGAGE LOAN OFFICER POSITION SUMMARYThe primary responsibilities of this position are to generate, negotiate, underwrite, and coordinate the origination and closing of mortgage loans in compliance with the bank's lending policies and procedures. Within the portfolio managed, the Loan Officer will be responsible for credit decisions (within authority guidelines), overall credit quality, and fee income.
BENEFITSAvaila Bank offers a rich selection of benefits you can personalize to support you and your family's needs. Benefits may include:

• Medical, Dental & Vision Plans
• Option for Health Savings Account (HSA)
• Life Insurance (Company paid for employee)
• 401K and Employee Stock Ownership Plan (ESOP)
• Company Paid Short & Long Term Disability Insurance
• Flexible Spending Account (FSA) & Dependent Care
• Eligibility for Tuition Assistance and Discounts
• Employee Assistance Program (EAP) MORTGAGE LOAN OFFICER PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES
• Originates all loan applications within an acceptable customer service and regulatory timeframe
• Analyze credit applications and propose appropriate mortgage solutions/products to meet customer financial needs
• Maintain loan quality by striving for low incidence of incomplete documentation or regulatory violation
• Help the bank attract new customers and deepen relationships with existing customers through active involvement in the community and through participation in the bank's customer service and sales efforts
• Adheres to bank policy, procedures and all lending laws and regulations
• Work with customers through difficult/complicated issues that may arise
• Handle collections on delinquent loans; monitor the quality of existing loans
• Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages
• Develops and maintains contacts with local real estate agents, attorneys, developers, and builders to promote and encourage the use of bank services for residential mortgages
• Makes recommendations for new loan products and services
• Site visits may be applicable for construction, real estate purchase, or refinance originations
• Refer additional bank services and products Requirements:MORTGAGE LOAN OFFICER ROLE QUALIFICATIONSEducation
  • Bachelor business degree or equivalent experienceExperience
    • Minimum 1 year in the banking or lending environment preferred but not required
      Other Skills and Abilities
      • Sound knowledge of loan policies and procedures including Fannie Mae
      • Strong background, or an ability to learn, mortgage lending principles and programs, technicalities, and compliance
      • Strong math skills; add, subtract, multiply and divide in all units of measure
      • Exceptional oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, understand procedures, write reports and correspondence, speak clearly to customers and employees
      • Exceptional organizational and time management skills; ability to function well in a fast-paced environment
      • Proficient Microsoft Office skills (to include Word, Excel, PowerPoint and Outlook) and Adobe PDF
      • Assumes a leadership role in community projects and activities
      • Accepts a leadership role within the bank and participates in bank promotions and activities
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