Mortgage Loan Officer REQ#4511

Full Time at Citizens First Bank

In the spirit of “Making Dreams Come True”, The Mortgage Loan Officer, Interviews, gathers and analyzes information from which advice is given to customers applying for mortgage loans by performing the following duties.

Essential Duties and Responsibilities:

Collects and analyzes information from loan applicants regarding income, assets and debts, while determining which product best suits the customer’s needs. Advises the customer of the advantages and disadvantages of the loan products selected based upon customer needs and analysis of their financial capacities.

 Determines what program would best suit the applicant, after analytically determining that the applicant meets established standards for further consideration

 Identifies and requests appropriate documentation such as income tax returns, bank and investments statements, purchase agreement, and income verification

 Informs and educates applicant about specific closing costs such as appraisal, credit report, title policy and other settlement fees

 Answers applicant's questions and obtains signature on application and disclosure forms

 Submits completed application package and verifications to Mortgage Loan Processor for finalization and submission to underwriting

 Calls, emails and/or responds to applicant or other persons to resolve discrepancies, such as differences in information provided and verifications received

 Visits establishments such as sales offices and marketing representatives to maintain referral relationships and promote our mortgage services

 Position specific compliance and other trainings as required

Experience and Requirements:

Bachelor's degree (B. A.) from four-year college or university; or 5 years Residential Mortgage Loan Officer experience with a clear understanding of Fannie Mae Guidelines and Desktop Underwriter. Must be accurate, thorough and able to completely assess our customer’s needs within the guidelines. Works well under pressure and is able to stay organized in a fast paced environment. Must have successfully obtained Safe Act certification through N.M.L.S. system (Nationwide Mortgage Licensing System) and obtained a Mortgage Loan Originator license.  Every 12 months individual is required by state law to take 8 hours of continuing education and renew their license through the NMLS system.

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Citizens First Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, disability status, protected veteran status, or any characteristic protected by law. Applicants have rights under Federal Employment Laws. Please see the attached posters for more detail about your rights: Equal Employment Opportunity is the Law (EEO)Family and Medical Leave Act (FMLA), and Employee Polygraph Protection Act (EPPA).  







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