Summary: Originates residential mortgage and consumer loans. Promotes Sanford Institution for Savings and its lending services to the real estate community and helps to identify and serve the community’s financial needs by participating in and promoting the Bank’s community activities.
•Bachelor’s degree in business or finance or prior lending experience.
•One to two years experience in a financial institution or loan office setting.
Specific Job Functions:
•Solicits first mortgage loans. Inform prospective loan clients of the Bank’s underwriting guidelines and applicable government regulations.
•Personally interviews loan applicants and compiles complete application package for submission to Underwriting.
•Completes each loan application and all pre-processing functions in a timely manner to permit the appropriate disclosures to be mailed within the time frame required by compliance.
•Screens loan requests based on Bank policies and products offered by SIS.
•Personally answers incoming phone calls and schedules appointments.
•Communicates complex approvals or denials to borrowers while representing the Bank’s position on the decisioning.
•Satisfies all conditions of approval prior to loan closing.
•Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers and prospects.
•Demonstrate the Bank’s Core Values with words and actions.
•Assume additional responsibilities as requested.