General Responsibilities: Originate in-house and secondary market loans in full compliance with the bank's loan policy and all applicable state and federal regulations and laws governing 1-4 family residential mortgage loans. Essential Duties • Provide customer contact for residential real estate inquiries and meet with applicants/borrowers to provide mortgage loan advice and match best loan product to customer situation. • Complete application, input application information into web application, print application, and collect income verification documents while maintaining customer confidentiality. • Comply with and provide all disclosures applicable to residential mortgage lending rules, regulations, and guidelines to the applicant/borrower within the timeframes required by regulation or law. • Collect and retain required documentation and information necessary for processing and approval of the mortgage loan request. • Maintain appropriate communication with applicant/borrower throughout the loan application process to assure timely loan approval and closing. • Close loans with customers. • Comply with the S.A.F.E. Mortgage Licensing Act and all related residential real estate mortgage regulations. • Maintain positive relationships with secondary market lender and internal credit department in the processing of applications and loan documents. • Establish and maintain relationships with realtors, colleagues, builders, and new home sales representatives in order to develop and retain existing business. • Proactively recommend bank products and services such as retail products and services, insurance, and commercial, small business, and agriculture lending. Other Duties • Maintain thorough and up-to-date product knowledge including competitor offerings. • Maintain a high level of knowledge in mortgage industry and maintain certification. • Provide customer contact for consumer loans including auto and personal loans and collect customer information as needed in the absence of the Personal Banker. • Participate in community events and organizations as directed. • Perform other duties as assigned. Overall Accountabilities • Accuracy of work. • Work cooperatively with co-workers. • Deliver positive customer service. • Maintain confidentiality and security of records and information. • Follow all policies and procedures. Working Relationships • Works directly with Market President. • Works collaboratively with Branch Manager. • Works collaboratively with retail staff. • Works cooperatively with all staff, community members, bank partners, and vendors. Desired Qualifications: • High School diploma or equivalent required. • Minimum 2 years of experience in mortgage lending. • Retail/consumer banking experience preferred. • Active NMLS license, or ability to obtain, required. • Demonstrated computer skills with Microsoft products required; banking software knowledge preferred. Fiserv Precision or Premier experience highly desirable. • Demonstrated interpersonal, written and verbal communication skills, and organizational skills required. Job Specifications: • Must be able to remain in a stationary position sitting 90% of work day. • Must be able to occasionally move about inside the office to access file cabinets, office machinery, etc. • Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, computer, and printer. • Constantly communicates with customers in person, via telephone, and by email. Must be able to exchange accurate information in these situations. • Constantly inspects documents for accuracy. Salary & Benefits Salary Range • Base + commission or full commission Benefits • Health, dental, and vision insurance • Group life insurance • Short and Long-Term Disability Insurance • Additional optional insurance products available • Annual Service Bonus • Potential Annual Bank Performance Bonus • Banking Service Benefits • 401K and Employee Stock Ownership Program (ESOP) • Paid vacation, sick, and holiday time