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CorTrust Bank · 1 month ago

Mortgage Loan Officer- Sioux Falls (Full Time)

Sioux Falls, SD, US

Full-time

Onsite

Entry, Mid Level

2+ years exp

CorTrust Bank is a leading community bank dedicated to providing high-quality customer service and financial solutions. They are seeking a Mortgage Loan Originator to develop community relationships, solicit loan applications, and prepare credit packages for underwriting approval.

BankingFinanceFinancial ServicesPersonal Finance

Responsibilities

Advocates in the community to deepen relationships and markets the institution’s loan products

Screens borrower requests from potential applicants, reviews applications for pre-qualification, and issues prequalification letters to customers

Reviews loan applications and effectively communicates with potential borrowers to explain lending parameters and identify which loan programs and terms best fit each customer and situation

Works with borrowers to secure necessary information for loan underwriting and conducts site visits as needed

Prepares and reviews loan application packages according to underwriting policies and presents financial analysis to underwriting for approval

Reviews loan documents, title, appraisal, and survey prior to closing to ensure accuracy

Collaborates with borrowers, title company, and realtor to confirm conditions of funding are met prior to closing and coordinate timing of loan funding

Identifies additional unfilled banking or insurance needs and refers borrowers to Bank partners

Other duties, responsibilities, and activities may be assigned or changed at any time

Qualification

Mortgage lending experienceMortgage regulationsAnalytical skillsTime managementEffective communicationProblem solvingOrganizational skillsIntegrityTeam collaboration

Required

Minimum two years' experience in a mortgage lending or financial services environment

Mortgage banking background preferred with a proven track record of success

Adapts easily to system, process, product, and service changes

Advocates for CorTrust in the community, customer experience, and co-worker relationships

Ability to reason, problem solve, and think critically

Strong analytic, time management, and organizational skills and high level of attention to details

Effective written and verbal communication skills with the ability to make presentations and educate borrowers on loan products and processes

Demonstrates high level of integrity, personal diplomacy, and respect

Knowledge of federal and state laws and regulations pertaining to the mortgage banking industry

Works cooperatively and constructively with a wide variety of people, cross-functional teams, community-based organizations, title companies and referral partners