Mortgage Loan Officer (Tennessee Region)
Company: Amerantbank
Location: Miami
Posted on: August 6, 2022
Job Description:
Job DescriptionThe Mortgage Loan Officer is responsible for
originating quality Residential Loan Mortgages to contribute to the
overall production goals, business growth and portfolio
outstanding. The Mortgage Loan Officer will deliver high quality
service to our customers (new and existing) as well as service
their residential mortgage needs. They will present approvable loan
packages in compliance with regulations and guidelines.This
position will be responsible for mentoring entry level Residential
LendersDuties and responsibilities include:
- Interview loan applicants and assist with the completion of the
mortgage loan application including explanation of mortgage process
and disclosures.
- Interview loan applicants and assist with the completion of the
CRA (with or without Affordable Housing Programs) mortgage loan
application including explanation of mortgage process and
disclosures
- Collect and verify accuracy of needed documentation required
for approval while complying with guidelines and regulatory
requirements
- Work and partner with processor and underwriter to promptly
complete and obtain decisions on mortgage requests
- Collaborate with loan processor to ensure each residential
mortgage application is processed accurately, timely and
completely
- Complete and/or collect any additional documentation needed by
processor/underwriter or closer (obtaining missing information and
resolve exception processing issues)
- Monitor progress of transactions and keep borrowers updated on
progress while ensuring compliance with regulations
- Assist in the scheduling of the closing with client, processor,
title company and closing coordinator
- Input applications into the origination system and delivery
early disclosures to residential customer
- As required, interact with Realtors, Accountants and Closing
Agents to develop new business and/or obtain required documentation
and close transactions
- Partner with Mortgage Loan Processor, Underwriting, Doc Prep,
Closing and Operations to ensure an excellent customer service and
high-quality originations
- Actively participate in community functions to support for the
Bank's CRA lending efforts as well as joining committees that
provide Affordable Housing programs
- Identify and report to immediate supervisor any current or
prospective risks to earnings or capital arising from violations
of, or nonconformance with, laws, rules, regulations, prescribed
practices, internal policies and procedures or ethical
standardsMinimum Education and/or Certifications Requirements:High
School Diploma or GED required. Associates Degree or higher
preferred.*** Applicant must be NMLS registered and provide the
company with NMLS number or be willing to register in NMLS prior to
employment being offered. Additionally, FBI Criminal Background and
credit check must be successfully passed before job offer is
presented.Minimum Work Experience Requirements:3+ years of prior
Residential Loan Officer experience in the local market with
emphasis on non-government loans preferred.Technical and/or Other
Essential Knowledge:Proven experience acquiring and developing a
residential loan mortgage portfolio. Proficiency with mortgage
system origination (such as E3, Encompass, Empower).Proficiency
using Microsoft Office 365 products including MS Word, MS Visio, MS
Excel, MS Teams, and MS PowerPoint.Core CompetenciesMust be
detailed oriented and possess strong problem-solving, analytical
and business development skills. Must communicate effectively
(verbally and in writing).Must be able to plan, organize and
execute projects.Must be a team player, approach business in a
professional manner, be customer oriented and contribute to a
collaborative and position work environment.
Keywords: Amerantbank, Miami , Mortgage Loan Officer (Tennessee Region), Other , Miami, Florida
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