Description The MLO originates first mortgage and/or second lien equity loans, promotes financial institution and its lending services to the real estate community. Specific Job Functions: • Follows the work flow process and procedures for Mortgage Lender Officer/Originations. • Strategic Objectives • Originates first mortgage and/or second lien equity loans to meet annual loan projections. • Documents calls in Synapsys and makes monthly call report to supervisor. • Maintain knowledge of bank’s products to increase overall customer relationships and meet bank objectives. • Work with lending team to improve overall customer experiences. • Maintain knowledge of investor loan programs and requirements. • Participates in activities for generating new business such as sales calls and special events. • Assists in the development of branch goals and budgets. • Reports at internal Branch meeting monthly. • Greet customers by name, use the name in conversation. • Responsible for knowing and cross-selling bank products to help the customers obtain their financial goals. • Product and Service assistance – If we don’t provide a product or service the customer is looking for, we will find another financial institution that does. • Respond to customer inquiries within 24 hours, within one hour, if it is an emergency. • Realize a deposit conversation rate of 100% per loan relationship (at least one checking or savings product open for every loan relationship maintained). • Participates on SFSB’s assigned committees. • Supports the collecting of delinquent mortgage and consumer loans. • Attends all required retail lending training and meetings. • Compliance • Completes loan applications and all pre-processing functions in a timely manner to meet regulatory disclosure requirements. • Qualifies loan applicants based on bank’s lending policies and on types of loans offered. • Ensures that residential loan files contain verified and accurate data to submit for loan approval according to established procedures to meet regulatory and loan policy requirements. • Responsible for knowing and complying with all Federal Regulations and bank policies/procedures that apply to the position, including the BSA/AML/OFAC and CIP Program. • Community Reinvestment: • Represent and promote Security Federal at community functions to establish and develop relationships with realtors, builders, and other entities to build a referral network. • Actively participate in Security Federal’s special credit programs and other CRA programs. • Arrange and/or participate in external educational opportunities to meet the financial concerns of the community. • Additional Responsibilities • Answer phone as needed • Performs other duties as directed by supervisor Requirements Job Requirements: • High school diploma or equivalent • Bachelor degree in business or finance preferred but not required • Minimum two years’ experience in banking, mortgage lending, or the financial industry • Successful completion of in-house training programs • Must maintain Nationwide Mortgage Licensing System and Registry (NMLS) credentials • Secondary market and government program knowledge recommended • Comprehensive knowledge of new accounts operations • Comprehensive knowledge of consumer lending • Basic math and problem-solving skills • Good understanding of financial products and services • Exceptional customer service and professional skills • Strong organizational telephone skills, and communication skills • Ability to multi-task work independently, delegate, and make decisions • Average computer and keyboard skills • Team Player • Valid driver’s License