Job Description

Overview:
C&F Mortgage is currently hiring talented Mortgage Loan Officers (LO) who pro-actively identify, develop and maintain networks of business relationships that serves as a source of referrals for mortgage lending opportunities. External relationships are the foundation of generating new business and may consist of realtors, builders, professional and personal contacts. Our LO's are encouraged to participate in business development related opportunities, community efforts to promote home ownership and professional organizations. You will be responsible for interviewing new and existing customers to determine their needs and advise those customers about the appropriate products, terms, and pricing, that best fit their needs while gathering any additional required information. It will be necessary to generate accurate and complete applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives. Responsibilities:

• Assists customers with inquiries and information requests, and resolves inquiries relating to loan products and services offered.
• Interviews applicant and requests specific information for loan application and enters data into origination software.
• Analyzes the applicant's financial status, credit, and property for the loan to determine feasibility of loan options and loan program requirements.
• Compiles loan package and provides the applicant information, such as rates, terms, fees, and other credit terms.
• Corresponds with the applicant to resolve questions regarding application information, and requests documentation or information to improve the loan application process.
• Ensures loan applications are complete and accurate.
• Submits loan application to processor.
• Works with applicants to assures timely loan closing.
• Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.
• Devise personal marketing system and annual business plan.

Qualifications:
Ideally the person will have mortgage loan origination experience and sales experience.

• Analytical - Collects and researches data; Uses intuition and experience to complement data.
• Problem Solving - Identifies and resolves problems in a timely manner; Develops alternative solutions.
• Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs.
• Interpersonal - Maintains confidentiality.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations.
• Team Work - Exhibits objectivity and openness to others' views.
• Written Communication - Writes clearly and informatively; Varies writing style to meet needs; Able to read and interpret written information.
• Leadership - Exhibits confidence in self and others;
• Business Acumen - Aligns work with strategic goals.
• Cost Consciousness - Contributes to profits and revenue.

Diversity - Shows respect and sensitivity for cultural differences.
Ethics - Treats people with respect; Upholds organizational values.
Adaptability - Adapts to changes in the work environment; Changes approach or method to best fit the situation. Attendance/Punctuality - Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. Innovation - Meets challenges with resourcefulness.
Planning/Organizing - Organizes or schedules other people and their tasks.
Professionalism - Approaches others in a tactful manner; Reacts well under pressure.
Quality - Monitors own work to ensure quality and meets productivity standards.
Education:
High school diploma or general education degree (GED)
Certificates and Licenses:
Must have NMLS. Certain states require licensing. Experience in origination/processing of FHA, VA, other government and Conventional loans.
EEO/AA/M/F/Veteran/Disability

Skills Required