Mortgage Loan Officer - Council Bluffs Iowa

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

Availa BankDescription:EEO/AA employerAvaila 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 PlansOption for Health Savings Account (HSA)Life Insurance (Company paid for employee)401K and Employee Stock Ownership Plan (ESOP)Company Paid Short & Long Term Disability InsuranceFlexible Spending Account (FSA) & Dependent CareEligibility for Tuition Assistance and DiscountsEmployee Assistance Program (EAP) MORTGAGE LOAN OFFICER PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIESOriginates all loan applications within an acceptable customer service and regulatory timeframeAnalyze credit applications and propose appropriate mortgage solutions/products to meet customer financial needsMaintain loan quality by striving for low incidence of incomplete documentation or regulatory violationHelp 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 effortsAdheres to bank policy, procedures and all lending laws and regulationsWork with customers through difficult/complicated issues that may ariseHandle collections on delinquent loans; monitor the quality of existing loansMaintains 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 mortgagesDevelops and maintains contacts with local real estate agents, attorneys, developers, and builders to promote and encourage the use of bank services for residential mortgagesMakes recommendations for new loan products and servicesSite visits may be applicable for construction, real estate purchase, or refinance originationsRefer additional bank services and products Requirements:MORTGAGE LOAN OFFICER ROLE QUALIFICATIONSEducationBachelor business degree or equivalent experienceExperienceMinimum 1 year in the banking or lending environment preferred but not requiredOther Skills and AbilitiesSound knowledge of loan policies and procedures including Fannie Mae Strong background, or an ability to learn, mortgage lending principles and programs, technicalities, and complianceStrong math skills; add, subtract, multiply and divide in all units of measureExceptional 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 employeesExceptional organizational and time management skills; ability to function well in a fast-paced environmentProficient Microsoft Office skills (to include Word, Excel, PowerPoint and Outlook) and Adobe PDF Assumes a leadership role in community projects and activitiesAccepts a leadership role within the bank and participates in bank promotions and activitiesPM21PIa06445f034fe-25660-36530195 More...

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