Mortgage Loan support
Loan Processor Job In Cincinnati, OH
Process residential mortgage loans from application thru processing - working closely with Mortgage Loan Officers and Borrower - while providing a superior customer service experience.
ESSENTIAL RESPONSIBILITIES:
Order and review of Appraisal, Flood document as per the checklist provided and highlight any discrepancy to respective stakeholders.
Review of condo and Trust documents as per the procedures & checklists to highlight any discrepancies to for further review & rectification. The final feedback is provided to clients on excel sheet
Maintain and manage pipeline of loans with an emphasis on providing superior customer service, loan quality, accuracy and efficiency - while meeting and/or exceeding production and SLA requirements.
Review and analysis of UW Conditional Loan Approval, collecting documentation required to satisfy all conditions needed to obtain CTC in a timely manner.
Review loans in compliance with established federal and state regulations, company policies, and secondary market guidelines.
Prepare and submit complete and accurate loan files to the processing Department.
QUALIFICATIONS
High School Diploma or equivalent.
Minimum of 6 months- 1 years Residential Mortgage Loan Processing experience.
Excellent disposition, mindset, communication skills and work ethic.
Thorough knowledge of FNMA and FHLMC guidelines.
Basic knowledge of first and second (subordinate) lending; collateral and Trust.
Experience using Fannie Mae's DU and Freddie Mac's LPA.
Ability to work in a fast paced environment, meeting time sensitive deadlines and adapting to changing workloads, while maintaining attention to detail and accuracy.
Independent thinking with the ability to identify and manage workflow priorities in a high volume environment, completing tasks in a timely manner to meet production service levels.
Proficient computer skills, including knowledge of Microsoft Office, including Word, Excel, e-mail and internet navigation.
Exceptional customer service and communication skills.
Mortgage Consultant - Loan Officer
Loan Processor Job In Cincinnati, OH
Job Details Mortgage Services - Cincinnati, OHPosition and Responsibilities
Sibcy Cline is a well-established and respected real estate company, serving the Greater Cincinnati, Dayton, Northern Kentucky, and Southeastern Indiana regions since the 1930s. As the largest independent real estate broker in the area with over nine hundred agents, we offer a comprehensive range of services including real estate, mortgage, insurance, and title services. Our commitment to excellence and personalized service has made us a trusted partner in the community.
Position Summary
Mortgage Consultants play a crucial role in guiding clients through the mortgage application process, ensuring they receive the best possible financing options for their home purchases. They collaborate closely with clients, real estate agents, and the Operations team to facilitate smooth and efficient transactions.
Key Responsibilities
Client Consultation: Meet with clients to understand their financial situation, needs, and goals. Provide expert advice on mortgage products and options.
Loan Application: Assist clients in completing mortgage applications, gathering necessary documentation, and submitting applications to lenders.
Market Analysis: Stay updated on current mortgage rates, market trends, and lending practices to provide clients with accurate and relevant information.
Compliance: Ensure all mortgage transactions comply with federal, state, and local regulations, as well as company policies.
Customer Service: Provide exceptional customer service throughout the mortgage process, addressing client inquiries and concerns promptly and professionally.
Networking: Build and maintain relationships with real estate agents, lenders, and other industry professionals to generate referrals and expand business opportunities.
Engage: Join branch office sales meetings to educate agents on mortgage financing. Follow SCMS best practice guidelines to maximize all opportunities.
Skills, Knowledge and Abilities
Skills, Knowledge and Abilities
Education: Bachelor's degree in business administration, Finance, Information Technology, or a related field is highly preferred.
Experience: Minimum of 2 years of experience in mortgage origination highly preferred. Current NMLS State or Federal NMLS Registration required.
Skills:
Excellent analytical and problem-solving abilities.
In-depth knowledge of mortgage banking processes and regulations.
Proficiency in mortgage software, CRM systems, and MS Office Suite.
Exceptional communication and people skills.
Work Context
Employees in this position are in branch offices and meet with clients at varying locations. Mortgage consultants also communicate with clients during evening and weekend hours. Employees in this position must embody Sibcy Cline's Cultural Competencies as described in the Employee Handbook: Friendliness, Respect, Innovation, Enthusiasm and Results Oriented.
Benefits
Competitive salary and performance-based bonuses.
Health, dental, and vision insurance.
Retirement savings plan.
Professional development opportunities.
Sr Employee Service Center Processor
Loan Processor Job In Enon, OH
This job is in the Employee Service Center, 7-Eleven's contact center for Human Resources Services. We answer inbound calls from employees and management in both the U.S. and Canada related to Payroll, general HR Shared Services inquiries, as well as provide support for Workday, our HR & Payroll system including login issues and password resets. This position works daily with our employees, both store and non-store, Operations, Human Resources, Payroll and Personnel Administration.
Core Job Responsibilities:
* Answer inbound employee calls regarding Payroll and HR Shared Services questions/issues.
* Utilize ServiceNow to create a ticket for each call.
* Assist Store Leaders and other end users with various HR system processes, such as time entry, direct deposits, new hires, onboarding, disciplines and separations, etc.
* Assist employees, Store Leaders and Area Leaders with I-9 & E-Verify compliance questions.
* Assist store management with time system questions and training.
* Assist in the data entry/processing of confidential personnel information into various HR systems.
* Reset various HR system passwords.
* Respond to emails sent to the department mailbox as requested.
* Other miscellaneous duties as requested or assigned by the Coordinator or Supervisor.
Work Experience Desired:
* Customer Service
* Knowledge of Microsoft Office applications (Outlook, Teams, Excel, Word)
* Knowledge of Workday Payroll & HR system is preferred
* Experience in either Personnel Administration, Payroll or Human Resources is a plus
Education Level: High School graduate or equivalent
Other Skills:
* Ability to communicate effectively both verbally and in writing
* Excellent interpersonal skills
* A desire to serve others
* Work well in a team environment
* Capable of working in a fast-paced environment
* Be flexible and able to adapt to an ever-changing environment
* Possess a strong willingness to learn
If an hourly or salary range is included in this ad it represents the range 7-Eleven in good faith believes is the range of compensation for this role at the time of this posting. The Company may ultimately pay more or less than the posted range. This range is only applicable for jobs to be performed in this state. This range may be modified in the future. No amount is considered to be wages or compensation until such amount is earned, vested, and determinable under the terms and conditions of the applicable policies and plans. The amount and availability of any bonus, commission, long-term incentive compensation, benefits, or any other form of compensation and benefits that are allocable to a particular employee remains in the Company's sole discretion unless and until paid and may be modified at the Company's sole discretion, consistent with the law.
For a general description of all benefits 7-Eleven is offering in the US for the position, please visit this link.
Loan Originator, Sr NE
Loan Processor Job In Beavercreek, OH
Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers.
Responsibilities
Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances.
Establishes and maintains relationships with realtors, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required.
Markets and promotes PrimeLending's financial products;
Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set.
Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers.
Collects and analyzes information regarding the customer's income, assets, investments or debts.
Advises the customer regarding the advantages and disadvantages of different loan products.
Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information.
Oversees the loan process by monitoring loan status and ensures conformity with terms.
Communicates loan status to all interested parties, and obtains loan documentation after closing.
Presents terms and conditions of loans with customers.
Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages.
Maintains a professional image and adheres to standards consistent with company policies and procedures.
May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s).
Other functions as needed.
Qualifications
High school diploma or equivalent
Appropriate licenses, if State required.
A minimum of 5 years loan originator experience required.
Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc.
Demonstrated judgment and decision-making ability. Excellent and effective presentation and communication skills, both verbal and written.
Ability to quickly assess and process large amounts of data and use of appropriate AU software technology.
Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts.
Continue to expand knowledge of issues influencing the industry and the organization.
*In accordance with the US Department of Labor Regulations Part 541-Exemptions under the Fair Labor Standards Act (FLSA) Section 13 (a)(1) employees who meet certain tests will qualify for Exempt Status.
The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.
Experienced Mortgage Loan Officer
Loan Processor Job In Dayton, OH
Experienced Mortgage Loan Originator Here we GROW AGAIN! Howard Hanna Mortgage Services is looking to add Experienced Mortgage Loan Originators to make an immediate impact on our growing territory! Howard Hanna Real Estate Services continues to expand in the Columbus and Dayton, OH area with their newest merger with Big Hill Realty! As a member of Howard Hanna Mortgage Services you have the opportunity to partner with and build relationships with our agents to build your business!
A top candidate will have the following skills and experience:
* Experience as a Mortgage Loan Originator and/or Financial Sales Specialist with a verifiable sales track record preferred.
* Exercise your proven communication, listening and interpersonal skills to pursue leads, manage your loan pipeline, follow-up on missing data or documentation, ensure timelines are met and build strong working relationships with customers and team members.
* Demonstrate your commitment to Howard Hanna Mortgage and cultivate life-long relationships with customers, agents, and business partners.
* Strive to be the best version of you - Be professional, approachable, empathetic, and positive!
Howard Hanna Mortgage is offering our team members:
* Competitive compensation plan
* Excellent benefits package, including health, vision and dental insurance, paid vacation and PTO, a company-matched 401K program, and more.
* Continued professional and personal development opportunities as the company continues to grow and expand!
Qualified candidates please send resumes to: ************************
HowardHanna.com
Hanna Holdings, Inc. affiliates and assigns are committed to providing equal employment opportunity to all employees and applicants for employment regardless of such factors as race, color, religion, sex, national origin, age, veteran's status or disability. The Company abides by all local, state and federal laws and regulations affecting the hiring of employees.
Loan Officer
Loan Processor Job In Dayton, OH
Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!! Description: · Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
· Uncapped commissions!
· Loan products for all borrower types!
· Add additional LO's to your team OR act as an individual LO!
· Licensed in 28 states and growing!
· Administrative, operational and compliance support provided by Corporate!
Successful Candidate Attributes:
· Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
· Maintains a database of past clients for marketing purposes.
· History of closing at least 3-5 units per month.
Loan Officer Requirements:
· An active NMLS/MLO license (required).
· Strong knowledge of lending regulations and industry best practices.
· Exceptional interpersonal and communication skills.
· Analytical mindset with the ability to assess complex financial information.
· Sales-oriented mindset with a commitment to achieving targets.
· Detail-oriented and organized.
· Proficient in relevant software and tools.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Loan Originator NE
Loan Processor Job In Beavercreek, OH
Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers.
Consumer Credit Loan Specialist
Loan Processor Job In Cincinnati, OH
Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: Perform pre-underwriting and processing duties needed to fulfill consumer equity and non-equity loan applications. Review and validate complex underwriting stipulations associated with the consumer lending process.Provideaccurate,clearand concise information and provide a superior lending experience for external customers through phone interaction and email. Primary loan facilitator for external customers to ensure work flow deadlines and service level agreementsaremet.Responsible formoving the loan file through the pipeline upon receipt of the application, including updating the file and all systems as work progresses through the underwriting process.
Partner with internal departments to escalate and resolve issues and problems. Quickly and efficiently promotes excellence in employee and customer experience. Always do the right thing for customers and colleagues, and ensure thatactionsandbehaviorsdrive a positive customer experience. Achieve results while consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
DUTIES & RESPONSIBILITIES:
+ Proactively contact customers to collect documents needed to underwrite application (including, but not limited to, income documentation, trust information, etc.)
+ Provide accurate information to the customer, explains products and policies in a clear, concise manner to ensure they understand documents needed for a lending decision
+ Evaluate loan documentation, review income documents, analyze data, and clear conditions per delegated authority (credit and non credit documents)
+ Effectively translate internal communication to customer to ensure all information is delivered professionally, accurately, and timely
+ Active liaison between the client, underwriting and financial center to meet all loan and customer requirements
+ Actively manage pipeline of consumer loan applications
+ Fields inbound calls from internal and external customers.
+ Understand and review personal and business tax returns and other income documents
+ Understand and review vendor documents (title, appraisal, flood, verification of employment, etc.) to communicate with internal and external customers any unexpected issues or needs
+ Maintain high level of customer service by being proactive in communicating with borrowers and loan originators.
+ wnership as the escalation point for internal and external customer questions pertaining to documents needed for loan products
+ Ensure accurate, complete, and timely loan data on processing and underwriting system
+ Actively participate in ongoing efforts to continually improve customer service for internal and external customers
+ Support the retail business partners in connection with consumer loan applications processed in the consumer credit centers.
+ Maintain an in-depth, expert knowledge of all equity and non-equity lending products and services as they relate to procedures, increased efficiencies and policies
+ Accurately enter issues into CIT so that issues can be routed appropriately, worked, tracked and resolved following standard Customer Complaint processes
+ Respond to complex questions and issues from banking centers regarding products, systems and/or operational procedures in the banking center.
+ Work independently to research and resolve issues or answer questions that often involve interpretation of bank policies and procedures.
+ Responsible for completing call tracking and support documentation as required
+ Act as a Trusted Advisor, proactively educating customers and bankers with each interaction.
+ Consistently meet all quality, handle time, and aux/adherence standards.
+ Mentor and train less experienced Loan Specialists
+ Assist with training and on boarding of new Loan Specialists
+ Serve as Consumer Lending Representative in the review of updates to existing procedure and newly developed procedures.
+ Support Consumer Lending on departmental projects.
+ Identify and communicate differences in regards to Regional Credit Center Operations
+ Work with both credit centers to ensure consistencies and similar customer experience
+ Understand loan policies and underwriting procedures to be able to explain cash flows, debt to incomes, and loan decisions to bankers
+ Responsible for subject matter expertise regarding consumer credit policy and loan documentation requirements
+ Respond to general inquiry emails in shared email box
+ Provide all services above to Fifth Third customers calling into the credit center
+ Perform any other duties as assigned.
SUPERVISORY RESPONSIBILITIES: None.
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
+ Minimum three (3) or more years of consumer lending experience in processing or customer service required
+ In-depth knowledge of loans and lending guidelines
+ Detailed knowledge of processing, underwriting and closing procedures
+ In-depth knowledge and understanding of loan application and underwriting systems
+ Previous experience managing a pipeline required
+ Proven computer skills
+ Demonstrated leadership and organization skills
+ Ability to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired
+ Demonstrated teamwork and customer service skills
+ This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions andregistrationrequiredforemployment in this position
Consumer Credit Loan Specialist
LOCATION -- Cincinnati, Ohio 45227
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
Senior Home Loan Originator
Loan Processor Job In Sidney, OH
The Senior Home Loan Originator (SHLO) will proactively seek new residential mortgage business and will build relationships with business line partners within the organization and externally to generate referral business. The principal responsibility of the SHLO is to meet with the customer to determine the product and terms that best fit their needs. He/She will generate a complete mortgage application, ensure appropriate guidelines and procedures are followed while meeting sales and quality goals and objectives. The SHLO must clearly communicate documentation requirements, fees, and terms to the customer. The customer must leave the application process with a thorough understanding of the steps that will follow. He/She will communicate timely and in a friendly professional demeanor to the customers and to the support staff as well. The SHLO will additionally, be responsible for the leadership, management, growth and profitability of their designated region. He/she will assist the Home Loan Manager, with coaching, training, and mentoring.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
Originate Home loans including: Freddie Mac, Fannie Mae, FHA, USDA, VA, Home Equity Loans, HELOCs, and other in-house loan products.
Prospects new mortgage lending opportunities and recommends the best home loan product(s) based on the customers individual needs.
Analyze and compile information and documentation collected to accurately process loans in accordance with Bank policies and procedures as well as real estate lending rules and regulations.
Ensure assigned Home Loan Matrix dates for 30-day turn-time are met on all loan files.
Identify, develop and maintain a successful network of business relationships that serves as a recurring source of referrals for new home loan opportunities
Maintain availability to realtors and borrowers outside of standard banking hours.
Ensure exceptional customer experience by overseeing the loan process from origination to closing and providing on-going communication to customers, processors, underwriters, and other business partners.
Participate in business related development opportunities and community efforts to promote F&M and generate new business.
Demonstrates a complete understanding of products offered by F&M and cross-sell those products, including FM Investments.
Works with managers and marketing to develop and implement sales and marketing plans on an on-going basis designed to enhance success, and achieve goals assigned by the bank.
Handle customer questions and/or issues and take appropriate action to resolve them.
Achieve production and other goals as established by F&M.
Utilizes F&M training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customers and internal business partners.
Participate in Sales program including practicing drills and role-plays; utilize sales skills to provide outstanding customer service.
Oversee daily activities performed by the HLOs and drive each towards expected monthly and quarterly goals through regular coaching.
Review and decision exceptions to F&M's loan policy.
Develop and assist in special functions and home loan training.
Perform personnel tasks for the region, reviews, coaching, and identifying training opportunities.
Possess excellent problem solving and decision-making skills.
Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position.
SUPERVISORY RESPONSIBILITIES:
Supervises Home Loan Originators, as assigned. Is responsible for the overall direction, coordination, and evaluation of assigned staff. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, scheduling, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
PERFORMANCE FACTORS:
To perform the job successfully, an individual should demonstrate the following competencies:
Sales:
Individual has a good understanding of the Bank's products and services. Effectively matches customer's need by referring and/or selling products and services to enhance the customer's relationship consistent with the Bank's Sales Culture.
Internal ambition and drive to match and / or exceed goals in cross-selling: Individual demonstrates a positive and helpful attitude toward customers (internal and external), understands their importance to F&M Bank and understands how his / her job affects customers; establishes and maintains good relationships through interactions or work completed; projects a positive and professional image of F&M Bank in appearance and mannerism.
Communication Skills:
Written: Individual writes clearly and concisely with little need for editing (includes spelling and grammar). Oral: Expresses self in speech as to be clearly and completely understood; adheres to the bank's telephone standards; supports a favorable environment for open communication; addresses concerns or problems in an open non-defensive manner; conveys self-confidence and knowledge of subject in speaking to customers. Listens: Is attentive and transmits correct information to appropriate people; accepts constructive feedback.
Job Knowledge:
Individual possesses and demonstrates the technical ability to perform required duties, is practical in applying knowledge to assignments, and maintains expertise by keeping current with new developments and procedures.
Problem solving:
The ability to define and offer solutions to resolve problems. Uses knowledge of the organization to identify helpful resources.
Attention to Detail:
The level at which tasks are performed carefully, accurately, and in accordance with specific instructions. Consistency of work quality and compliance with standards, requirements, and expectations. The tracking of numerical data and detailed organizational information, and the careful application of grammar, spelling, and punctuation rules.
Ethics:
The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers.
Requirements
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, skill, and/or ability required.
EDUCATION and/or EXPERIENCE
Bachelor's degree (B. A.) from four-year college or university and 3-5 years related experience and/or training; or equivalent combination of education and experience. Must have strong public relations skills. Must have computer skills in Microsoft Office and Excel.
LANGUAGE SKILLS
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from employees, customers, and the general public.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
REASONING ABILITY
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
CERTIFICATES, LICENSES, REGISTRATIONS
Valid driver's license
Notary public
Federal NMLS
OTHER SKILLS AND ABILITIES
Has good writing and communication skills.
Must be articulate, friendly and possess good telephone etiquette.
Is neat in appearance, detail oriented and possesses the ability to work without supervision.
PHYSICAL DEMANDS
The physical demands described here 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 regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, and ability to adjust focus. Ability to use computer for long periods of time and there will be heavy telephone use. This person may also be required to work at other banking centers.
This Person will have the ability to:
Work Monday - Friday, generally and an occasional Saturday with a day off and / or occasional extended hours as needed to accommodate the flow of business.
Work on a holiday and be provided another day off throughout the year.
Maintain a professional appearance and manner
Work independently and as part of a team
Home Equity Loan Originators
Loan Processor Job In Mason, OH
At Citizens, you'll be able to provide leading solutions while growing your relationships, customer base and earning potential. As the Home Equity Loan Originator, you will be responsible for generating sales of home equity lines of credit through leads and applications obtained through, but not limited to outbound lead campaigns, inbound phone calls, bank website, retention of existing customers, and other internal and external direct-to-consumer campaigns. You will successfully identify, develop, and maintain a quality network through your excellent customer service skills. You will also be responsible for supporting retail Branch Colleagues on more complex transactions. Through timely and responsive customer contact, needs-based selling techniques, referring to alternative bank products when appropriate, and by adhering to regulations, you will thrive in meeting non-branch production and NPS targets to effectively manage your pipeline as a source of referrals for new mortgage lending opportunities. Most importantly, you'll feel valued for who you are and supported to achieve what's important to you, personally and professionally!
Primary responsibilities include
+ Determine the customer's financial objectives using needs-based sales processes, review the customer's lending needs, and originate home equity lines of credit, and/or properly refer the customer to alternative product lines as appropriate.
+ Coordinate and communicate with the departments such as the operations team and other lending colleagues within Citizens (Loan Processing, Underwriting, Compliance) to gather conditions information and documents needed to ensure all loan conditions are met and approve the loan in a timely and accurate manner.
+ Keep the customer informed and answer questions that arise within the process. Perform regular communications with customers.
+ Maintain a sizable pipeline of loans, keeping it UpToDate while managing customer interaction.
+ Follow loans through the loan life cycle; track and monitor leads in a timely fashion, and work to retain existing customers by delivery service excellence.
Qualifications, Education, Certifications and/or Other Professional Credentials
+ BA /BS degree or equivalent experience
+ 4 years of sales experience in financial services
+ 3 years of current Mortgage and Home Equity experience
+ Ability to work independently and successfully in a team environment
+ Experience working in a call center environment
+ Superior organization and time management skills
+ Demonstrated ability to handle multiple tasks efficiently in fast environment
+ Effective written and verbal communication skills essential
+ Capable of delivering results within specified timeframe
+ Proficient PC skills, including MS Office experience
Hours & Work Schedule
+ Hours per Week: 40
+ Work Schedule: M-F 8-5 with some evenings and Saturdays
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens), provides equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability, or history or record of a disability, ethnicity, gender, gender identity or expression, transgendered and transitioning individuals, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders.
Why Work for Us
At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.
03/31/2025
Commercial Title Processor
Loan Processor Job In Cincinnati, OH
With over 725 lawyers in 31 offices across the U.S., Dinsmore is committed to maintaining and developing a strong market profile. This is both to facilitate an understanding of the firm's capabilities by current and prospective clients, and to support the recruitment of talented attorneys and business professionals.
Dinsmore is seeking a Real Estate Title Insurance and Escrow Processor at our Cincinnati, OH location who will work with title examiners, underwriters, surveyors, attorneys, lenders, loan officers, and real estate agents to acquire, analyze, and organize all necessary documents needed to process title insurance documents and commercial closing transactions.
Responsibilities
Open new files and order title examinations, surveys, and other documents
Prepare title commitments, title reports, proformas, title policies, and construction loan endorsements
Timely and accurately prepare title company closing documents, including closing statements
Coordinate and conduct closings
Disburse escrow funds via checks or wires as required
Electronically record real estate documents with county recorders
Respond to inquiries from all persons involved in a real estate transaction in a timely and professional manner
Work to build strong relationships with attorneys, lenders, examiners, and realtors
Requirements
Ability to balance a demanding workload while providing excellent customer service
Understanding of the title insurance industry
Understanding of real estate documents and recordings
Knowledgeable in real estate regulations and guidelines and document preparation
Ability to handle complex calculations in preparing closing statements
Ability to juggle multiple priorities in a fast-paced environment
Strong communication and customer services skills
High school diploma, secondary education a plus
Minimum of 4 years of experience in title insurance and loan processing, which includes experience in preparing title insurance commitments and closing statements
Computer skills/industry software, such as SoftPro, Qualia, SMS or RamQuest
Equal Opportunity Employer
Other details
Pay Type Salary
Mortgage Loan Officer
Loan Processor Job In Cincinnati, OH
The EMAC Group is a provider of mortgage recruiting services, we offer an extensive network of mortgage professionals and proven expertise developed over 20 years of experience identifying, attracting and recruiting mortgage talent for our clients.
Job Description
Aggressive growth Client | Federally Chartered Bank is currently hiring talented Mortgage Loan Officers who proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts.
It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
Lender offers:
Full range of agency products
Portfolio Loan Programs
Builder Products
Very competitive interest rates and fees
Excellent Compensation and benefits
Marketing and sales tool
And much more
Minimum Qualifications:
Currently in the mortgage industry
Active relationships with referral partners and existing customer database.
A track record of success as a Mortgage Loan Originator
NMLS License
Compensation:
Very competitive Production Commission Structure
Click here to schedule a confidential call with our Talent Acquisition Consultant
Qualifications
Required Qualifications:
BA/BS degree or equivalent experience in residential mortgage sales preferred
Three plus years of retail residential mortgage sales experience
Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)
Established relationships with local referral networks
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Strong computer skills and experience utilizing laptop technology
Successful candidate 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 obtaining a Unique Identifier from the NMLS.
Additional Information
Please contact Tabitha Wolf at: ************
Residential Mortgage Loan Officer
Loan Processor Job In Cincinnati, OH
The Residential Loan Officer evaluates, originates and recommends approval of real estate, line-of-credit and consumer loans. The loan officer advises borrowers on available loan products to meet their borrowing needs; analyze the financial status of the applicant and presents various lending product alternatives. The loan officer will develop and maintain business relationships within the community; particularly with realtors and residential home builders; cross sell other banking products. A Residential Loan Officer's responsibilities include a variety of retail functions related to the following areas:
Loan Origination;
Lending;
Bank Policies and Procedures;
Compliance;
Communication;
CRA;
Business Development.
Cross selling other bank products.
Job Specifications
Certification: NMLS Registration
Experience: Minimum of 2 years of work experience in residential mortgage lending.
Knowledge and Skills:
Excellent communication skills, both written and verbal.
An active listener who gives full attention and identifies the customer's needs, asking questions as appropriate.
Excellent interpersonal skills and problem solving skills.
Knowledge of residential and consumer lending processes, internal loan programs and associated state, federal and other regulations.
Ability to analyze information and evaluate results to determine the best lending solution to present to customers.
Maintain current knowledge of compliance requirements for areas of responsibilities.
Develop and maintain outside referral sources
Personal Traits: The qualified candidate is a person who exhibits the following:
Professional image to customers and co-workers.
Ability to foster a cooperative work environment.
Ability to interact well with co-workers, peers, and management.
Strong attention to detail with excellent organizational skills.
Ability to work in a fast-paced environment
Other Position Requirements:
This position requires *
Strict Confidentiality
* of all financial data and customer information, including but not limited to: account information, personal data and requests for information. *
Strictness in Confidentiality
*also applies to the Residential Loan Officer's knowledge of confidential financial results, business activities, or other activities of CenterBank which are not intended for public knowledge or employee communication.
Possess valid Driver's License'
Job Type: Full-time
Benefits:
401(k)
Dental insurance
Health insurance
Paid time off
Vision insurance
Education:
High school or equivalent (Preferred)
Mortgage Loan Officer
Loan Processor Job In Cincinnati, OH
At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a Mortgage Loan Officer within PNC's Mortgage organization, you will be based in Cincinnati or Columbus.
Ideal candidates will have a proven history of production.
**Job Description**
+ Recommends loan solutions in accordance with lending guidelines and clients' requirements.
+ Manages a portfolio of customer relationships. Seeks prospective opportunities to retain and/or develop new clients. Responsible for sales calls.
+ Develops and prepares loan solutions and refers products and services; reviews documentation to ensure compliance. Manages customer pipeline for efficiency.
+ Collaborates with internal and external stakeholders to complete mortgage transactions.
+ Collects and analyzes customer financial information for multifaceted and/or complex borrowers.
PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:
+ **Customer Focused** - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
+ **Managing Risk** - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
**Qualifications**
Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
**Preferred Skills**
Banking Products, Client Prospecting, Customer Relationships, Customer Solutions, Documentations, Innovation, Mortgages, Sales
**Competencies**
Customer Experience Management., Effective Communications, Financial Analysis, Loan Origination, Matrix Management, Mortgage Products., Sales Tasks And Activities, Scheduling Work and Activities, Selling.
**Work Experience**
Roles at this level typically require a university / college degree with < 1 year of professional experience and/or successful completion of a formal development program. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
**Education**
No Degree
**Certifications**
No Required Certification(s)
**Licenses**
Candidates being considered for this position will be subject to additional background checks as required by Consumer Financial Protection Bureau regulations.
**Benefits**
PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.
In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.
To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards (******************************* .
**Disability Accommodations Statement**
If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com . Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call ************ and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.
**Equal Employment Opportunity (EEO)**
PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
**California Residents**
Refer to the California Consumer Privacy Act Privacy Notice (****************************************************************************************************** to gain understanding of how PNC may use or disclose your personal information in our hiring practices.
Mortgage Loan Coordinator I
Loan Processor Job In Beavercreek, OH
The Mortgage Loan Coordinator I uses expertise in the preparation and processing of conventional mortgage loans under various loan programs in accordance with investor guidelines for completeness, accuracy and compliance while providing our partner credit unions with a thrilling, five-star service experience.
Pre-underwrites loan files by obtaining and assembling complete loan packages for underwriting. Analyzes and records all incoming documents for compliance with loan eligibility. Verifies and validates supporting income, assets and liabilities. Reviews and verifies credit reports, credit supplements, property appraisals and title documents. Validates and/or updates data for accurate and complete mortgage applications. Identifies and anticipates additional conditions that the underwriter may require. Reviews a minimum number of files per day as determined by management to meet allotted turn times. (30%)
Verifies documentation provided by partner credit unions to clear outstanding conditions required by the underwriter. The MLC has the ability to clear a subset of conditions approved by management. The MLC is also permitted to clear a loan to close once all conditions are met. Reviews a minimum number of files per day as determined by management to meet allotted turn times. Maintains current and fluid knowledge of investor guidelines. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (30%)
Provides expert guidance and thrilling, five-star service to my CUmortgage experts and partner credit unions. Develops and maintains a vast knowledge of multiple loan product guidelines for quick and accurate answers to partner credit unions. Maintains open and proactive communication with partner credit unions to ensure proper and timely processing and submission of mortgage files. The MLC is the main contact throughout the entire loan process until the loan is cleared. The Partner Credit Union contacts the MLC with any questions throughout the process, and the MLC is the main contact for the title company and AMC. Communicates and explains underwriting conditions in easy-to-understand terms for partner credit unions. Provides status updates on each mortgage-indicating process to partner credit unions. (20%)
Reviews loans for compliance within all state and federal mortgage-related regulations (e.g., RESPA, TILA, HMDA, Reg B, KBYO, QM, etc.). Validates and/or updates data for accurate and complete mortgage applications. Ensures system input is accurate, that LOS data matches the Automated Underwriting System and all required ULDD fields are complete and accurate. (20%)
Required Skills
The Mortgage Loan Coordinator I possesses the following knowledge and skills:
A high school diploma or equivalent is required.
Minimum of three years' previous experience with pre-underwriting first mortgage loans or underwriting of home equity loans is required.
Demonstrated ability to provide thrilling, five-star service to partner credit unions.
Demonstrated ability to analyze credit reports, automated underwriting decisions, property appraisals, title commitments, purchase agreements and other mortgage-related documents as well as prepare mortgage closing packages.
Excellent telephone manners and techniques.
Demonstrated ability to learn and adhere to federal and state regulations/laws as they pertain to mortgage lending.
Must be familiar with Microsoft Office products.
Consumer Loan Specialist
Loan Processor Job In Mason, OH
Are you a goal-oriented individual? Are you looking to start your career at an industry-leading consumer finance organization with an award-winning service team that has ample opportunity for career growth? If you answered yes to these questions, our Consumer Loan Specialist position, sounds like a fit for you. Apply with Mariner Finance today!
Consumer Loan Specialist
Reports To
Branch Manager
FLSA Status
Non- Exempt
Schedule:
Full-time, 40 hours
Monday through Friday. Saturday hours required seasonally and as business needs require. Work hours will depend on the business hours of the time zone serviced.
To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business needs.
In This Role, You Will:
Support branch operations by learning functions of consumer finance and demonstrating proficiency by meeting or exceeding your individual sales and delinquency targets/goals. You will primarily support sales and collections efforts of the branch through respectful, compassionate, and efficient customer service. Prepare to take on increasing responsibilities as you grow in this role and continue growing your career with Mariner Finance!
Responsibilities and Essential Duties:
* Provide exceptional customer service by proactively solving problems, presenting loan solutions based on customer needs, and enthusiastically presenting all available sales products.
* Process credit loan applications. Analyze credit & financial information for current and potential customers.
* Proactively contact customers with past due balances to offer possible solutions and resolve delinquency.
* Achieve consistent results by meeting or exceeding expected individual and branch goals related to the sale of company products and services.
* Learn Federal, State, and Local Application Consumer laws to ensure compliant actions.
* Maintain a cash drawer, including processing payments and delivering daily deposits to specified financial institutions as required.
* May perform additional functions depending on market demand and branch staffing in order to provide consistent quality customer service.
Required Qualifications:
* Minimum of one (1) year of experience in a customer service or sales position.
* High school diploma or equivalent.
* Reliable transportation required.
* Excellent written and verbal communication skills with the ability to communicate effectively with customers and company personnel.
* Working knowledge of Microsoft Office or similar programs with the ability to learn financial services programs.
* Ability to complete essential duties/functions in a timely, accurate manner.
* Demonstrated problem-solving skills and interpersonal skills in demanding situations.
* Must obtain applicable, required licenses to sell insurance products offered to customers by the branch.
* Must perform work related tasks at the assigned branch location except in the event of an emergency as determined by the company in consultation, as necessary, with applicable regulatory agencies.
Preferred Qualifications:
* Cash Handling, selling and/or collecting experience.
* Some college coursework.
* Bilingual fluency in Spanish/English.
Physical Demands:
While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; operate computer and phone systems; and talk or hear. The employee is occasionally required to move about. The employee is required to be physically present in the office. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.
Disclaimer
This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.
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Li-Onsite
#R77
Compensation: Hourly rate is commensurate with skills and experience. This role is also eligible for a competitive incentive program based on individual and company performance.
Benefits: Mariner Finance offers comprehensive benefits to eligible employees, including:
* Health Insurance - Health Savings Account (HSA) with employer contributions if enrolled in a qualifying plan, Flexible Spending Account (FSA), and Dependent Care FSA
* Vision Insurance
* Dental Insurance
* Company-paid Basic Life, Long-Term Disability, and AD&D Insurance
* Voluntary worksite benefits including Accident, Critical Illness, Hospital Indemnity, Short-Term Disability, Supplemental Life, and Supplemental AD&D Insurance
* 401(k) and Company Matching Contributions
* Paid Time Off - full-time employees may accrue a minimum of 120 hours per year
* 11 Paid Holidays
* FMLA
* Employee Assistance Program (EAP)
* Paid Parental Leave
* Referral Incentives
* Education Assistance Program
* Complimentary FIMC Membership Plan
* Access to industry-specific training programs
* Certain roles may qualify for additional benefits such as Relocation Assistance, Debt Assistance, Cell Phone Reimbursement, and Travel/Auto Reimbursement. Contact ************************** for additional information.
Benefits provided are consistent with applicable state laws and Company policies. Eligibility may vary based on full-time or part-time status, location, or management level.
For additional information, please visit: ************************************************
Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender, gender identity or expression, marital status, age, religion, national origin, sexual orientation, familial or caregiver status, citizenship status, status as a victim of domestic violence, medical condition, genetic information, pregnancy, physical or mental disability, or status as a disabled or Vietnam era veteran. Employee must be able to perform the essential duties/functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential duties/functions of their job, absent undue hardship. Drug/Alcohol/Smoke-free workplace.
Mariner Finance, LLC | NMLS #166564
Other details
* Pay Type Hourly
Apply Now
* Mason, OH, USA
Loan Officer
Loan Processor Job In Loveland, OH
PRMG is Built by Originators for Originators. There is a reason why PRMG is consistently voted one of the best places to work. We focus on the areas that make an Originator successful and have an unmatched Culture. We look forward to helping you succeed as an Originator.
Responsibilities
Essential Job Functions:
Organization: Develops and implements strategies, satisfying customer needs through a full array of products and services.
Coordination: Uses judgment and discretion to ensure uninterrupted flow of business.
Communication: Communicates well verbally and in writing with co-workers and customers acting as liaison between customer and Company's internal departments to ensure cohesive business flow.
Equipment: Uses such office equipment as computer terminals, copiers, and FAX machines.
Physical: Sits and stands for extended time periods. Hearing and vision within normal ranges. Must devote substantially more than 50 percent of working hours
outside
of any Company office, home office, and any other fixed site, meeting with customers and potential customers seeking residential mortgage financing.
Responsibilities:
Verifies, compiles, and inputs application information for mortgage loans.
Discuss and advise the client of their home loan options.
Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage applied for, including but not limited to borrower assets, liabilities, and length of employment.
Informs supervisor of discrepancies in title or survey.
Performs other related duties as assigned.
Current, valid NMLS license or appointment in good standing.
Qualifications
Must have applicable state licensing.
Two to five years' experience are preferred.
Must also meet one of the following 3 options:
Actively funding more than 2 loans/month, or
Xinnix Training completion for Loan Origination required, or
Origination mentor assigned to new Loan Officer by branch who funds more than 2 loans/month (see PRMG Loan Officer Mentor Agreement).
Skills:
Ability to make sound judgments on the resolution of service, credit decision, funding, and post-close issues.
Ability to problem-solve and exercise independent judgment while displaying a high degree of initiative.
Ability to handle detailed assignments and maintain confidentiality.
Excellent communication and interpersonal skills.
Organizational skills necessary to prioritize workload and delegate responsibility.
Travel:
May be required.
Min USD $0.00/Yr. Max USD $250,000.00/Yr.
Loan Officer
Loan Processor Job In Xenia, OH
Mortgage Loan Officer - Wilmington and Hillsboro area
Union Savings Bank (USB) is best known for making home ownership dreams come true for our customers. We currently have an opening for a Mortgage Loan Officer in our Wilmington and Hillsboro region.
In this role, you will initiate the mortgage process for potential clients, preparing analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate.
If you have a passion for helping others, the ability to meet deadlines and communicate professionally with clients and co-workers, as well as a positive attitude and a desire to be part of a fun and growing team, we would love to hear from you.
JOB RESPONSIBILITIES:
Generate prospective mortgage loan clients
Analyze client mortgage needs and recommend appropriate mortgage products
Learn and maintain knowledge of available mortgage lending products
Collect appropriate documentation from borrowers to successfully complete the loan approval process
Manage pipeline for loan origination through approval and closing
Maintain high level of customer service and provide updates to the customer during the loan process
Effectively work a referral network to grow a portfolio of customers
SKILLS/QUALIFICATIONS
Established NMLS license, preferred
Minimum 1+ years current Mortgage Loan Originator experience preferred
Trustworthy & Dependable
Detail oriented
Excellent communication skills
Problem solving skills
Ability to organize and prioritize tasks
High school diploma or equivalent, required; or Associate degree, preferred
COMPENSATION:
Benefits package includes 401(k) match, medical/dental/vision
Uncapped commission
Company-generated leads
Growth Opportunity
Union Savings Bank is headquartered in Cincinnati, Ohio and has been in business since 1904. We pride ourselves on the personal attention we give to our customers. Our primary focus is on what we do best, making home ownership a reality for all. We're known for our low cost, low rate mortgage loans. We also offer a large array of checking and savings products with competitive rates to meet all of the personal and business goals of our customers.
Union Savings Bank is an Equal Employment Opportunity and Affirmative Action Employer and will make all employment-related decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.
MORTGAGE LOAN OFFICER - Cincinnati
Loan Processor Job In Cincinnati, OH
As a Mortgage Loan Officer, your day will be filled with opportunities to generate loan volume through sales efforts with builders, realtors, and other contacts. Experience in FHA, VA, and conventional lending is essential to function successfully in this position while knowledge of basic underwriting guidelines is preferred. Good communication skills are important to better serve our customers as you work closely with all parties involved to maximize loan sales.
Responsibilities
Daily responsibilities include, but are not limited to, the following:
Contact individuals, realtors and builders, attend chamber and other civic meetings to expand network contacts to generate sales
Engage in marketing and promotional activities, such as giving presentations to groups, in an effort to generate sales
Consult with customer to compile loan application in order to meet compliance guidelines while negotiating terms and conditions
Collect, compile and analyze information for acceptability for approval for investor's loan product
Communicate with clients and potential clients, answering questions and providing information, acting as the primary point of contact from sale to closing
Follow up closely with processor to ensure loans are closed timely
Maintain up-to-date knowledge of FHA, VA, and conventional loan rules, regulations and guidelines through a combination of educational classes, correspondence courses, on the job training and investor web sites
Other duties as assigned
Job Requirements
The successful candidate will have the following qualifications:
High school/GED education
College degree preferred
Outside sales experience with FHA, VA, and conventional lending
Employees are expected to represent Stock Yards Bank & Trust in a professional manner to customers and outside contacts.
Employees must have excellent interpersonal communication skills, consisting of the ability to write and speak effectively to others. Employees must be a productive team player, with the ability to learn, apply training and comprehend policies and procedures. Employees should also be flexible to changing working situations and able to meet deadlines as they arise.
PC Literacy with 35 WPM typing skills
Knowledge of basic underwriting guidelines preferred
Professional appearance and demeanor
Excellent sales and negotiating skills, and assertiveness
Ability to perform in high pressure situations
Benefits
401(k) with a company match of up to 6%
ESOP employer match
Medical insurance
Dental insurance
Vision insurance
Cancer / Disease insurance
Accident insurance
Flexible Spending Accounts
Health Savings Accounts
Bank paid Life / AD& D insurance
Voluntary Life / AD&D insurance
Bank paid Short-Term and Long-Term Disability insurance
Employee Stock Purchase Plan
Employee Assistance Program
Physical Requirements
The physical demands described here are representative of those that must be met by an employee in order 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 functions of this job, the employee will continually communicate with coworkers or customers. The employee will constantly position themselves to sit or stand, and occasionally move around the office to access filing cabinets or office machinery. The employee will constantly operate a computer, using repetitive movements of hands and fingers, and other office productivity machinery, such as a calculator, copy machinery, and computer printer. The employee will frequently identify, observe and assess materials and information, visually or otherwise. The employee will frequently be required to lift or carry up to 10 pounds, and occasionally be required to lift or carry 11 - 50 pounds, with assistance if needed.
Employees must also have the ability and means to travel as necessary for the purpose of attending training, meetings, and other various business functions.
Loan Officer
Loan Processor Job In Cincinnati, OH
Guardian Savings Bank is known for making home ownership dreams come true for our customers. We're looking for a Mortgage Loan Officer, with experience in originating mortgage loans, for our Northern Kentucky offices. In this role, you will initiate the mortgage process for potential clients, preparing analyzing and verifying mortgage loan applications for the purchase or refinance of real estate. If you have a passion for helping others, the ability to communicate professionally with clients and co-workers in a timely manner, a positive attitude and a desire to be part of a fun and growing team, we would love to hear from you.
SKILLS/QUALIFICATIONS
• High school diploma or equivalent, required; or Associate degree, preferred
• Minimum 1+ years current Mortgage Loan Originator experience preferred
• Established NMLS license, preferred
COMPENSATION
• Benefits package includes 401(k) match, medical/dental/vision
• Uncapped commission
• Company-generated leads
• Growth Opportunity
At Guardian Savings Bank, our primary focus is on what we do best, making home ownership a reality for all. We're known for our low cost, low rate mortgage loans and offer a wide variety of conventional conforming and non-conforming loans, along with FHA and VA loans. In addition, Guardian is a leader in construction, lot, investment, and apartment loans. With over 125 years of hometown service, we pride ourselves on the personal attention we give to our customers. We offer a large array of checking and savings products with competitive rates to meet all of their personal and business goals.
Guardian Savings Bank is an EEO/Affirmative Action Employer and will make all employment-related decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.
Job Category: Commission
Department: Lending
Employee Status: Regular
Schedule: Full Time
Shift: 1st Shift
Guardian Savings Bank: Low Costs, Low Rates. Let us make home ownership a reality for you.