Job Description

ABOUT US :

Just because a bank has a lengthy history, doesn’t mean there’s a great story to tell. Premier Bank is founded by a desire to do more of what businesses and consumers expect their financial partner to do. That means investing more in our relationships and providing financial products and services that are better suited to your needs while doing all we can to make sure you get more from the banking services you use. It's not too much for you to expect more. With Premier Bank, you can.

Mission Statement

To deliver a PREMIER banking experience by exceeding expectations of our community, employees, customers and shareholders. “Expect More”

ABOUT THIS ROLE:

Responsible for originating mortgage loans with consumer clients, providing follow-up and closing on loans. The Mortgage Loan Officer will be responsible for discussing client’s needs, recommending the best loan products, helping customers put together a complete loan package and working with the processing team throughout the loan process. The ideal candidate also has experience selling construction and home equity loans and other bank products. Ultimate goal is to achieve profitable loan growth and profitable loan production, while providing excellent customer service. Responsible for compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 by obtaining and maintaining a Nationwide Mortgage Licensing System & Registry(NMLS) registration and unique identifier number.

RESPONISIBILITIES:

• Soliciting residential first mortgages by developing relationships with realtors, builders and other business referral sources.
• Originate high quality loans that are within lending policies and procedures.
• Collect and analyze financial data, maintain an understanding of underwriting requirements to establish and negotiate credit terms.
• Advise prospective and existing customers of appropriate programs, rates and other pertinent loan information.
• Follow all applicable real estate lending regulations to ensure proper compliance with each regulation.
• Maintain awareness of real estate rates, trends and products in the marketplace. 

NECESSARY KNOWLEDGE, SKILLS & ABILITIES:

• Ability to self-source and generate your own borrowers
• Knowledge of Secondary Market and mortgage loan regulations and guidelines Knowledge of VA and FHA loans
• Knowledge of Microsoft Office software such as Word and Excel
• Ability to communicate in a courteous and professional manner
• Ability to work under pressure to meet deadlines
• Excellent analytical skills
• Excellent customer service skills 

EDUCATION & EXPERIENCE:

• College degree in business or finance preferred and/or equivalent work experience
• 5+ years of sales and mortgage industry experience

MARGINAL JOB FUNCTIONS:

Performs special projects and other related tasks and duties as directed by management. 

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