MidWestOne Bank Mortgage Banking Officer in West Des Moines, Iowa
Is responsible for the production and solicitation of a wide variety of residential real estate loans, working on a low base plus commission compensation program. Reviews mortgage loan applications to determine if basic lending criteria are met. Ensures that customer needs are satisfied through effective customer service. Contributes to the Bank's profit projections through individual and department goals and strategies. Additionally, responsible for cross-sales and / or referrals of all bank products and services.
Interviews applicants concerning their mortgage loan needs and desires.
Initiates the process which determines the customer's financial condition in relation to acceptable risk within Bank policy guidelines
Submits loans and subsequent information as needed to process for review and approval by residential mortgage underwriter.
Ensures the growth of the Mortgage Department through the selection and development of new accounts and the expansion of the portfolio.
Acts in an advisory capacity to other Officers, employees and customers on matters pertaining to mortgage services.
Ensures that approved loans are closed following required procedures and that the documentation is complete.
Calls on realtors and other sources of new business to increase referrals, build strategic partners and to promote the Bank and thereby enhance overall banking relationships.
Associate degree (A. A.) or equivalent from two-year College preferred or equivalent combination of education and experience. 3-5 years mortgage lending experience required. Must possess excellent communication skills; prioritize work demands effectively. Bilingual abilities are a plus. Knowledge of overall bank operations is desirable.
Will be required to register with the NMLS and submit to a criminal background check.
FLSA Status: Exempt
Hours Per Week: 40
Benefits Package: Yes - Full Time Package
External Company Name: MidWestOne Bank
External Company URL: http://midwestone.com/
Street 2: 9350 University Ave, Ste 138