Mortgage Loan Officer

Job Title: Mortgage Loan Officer Job Status: Full-Time FLSA Status: Non-Exempt JOB DESCRIPTION Summary/Objective The Mortgage Loan Officer performs the core duties of a mortgage lender, including taking applications, underwriting loans, and closing mortgage transactions. This role is also responsible for developing new business, maintaining and servicing an existing loan portfolio, and advising borrowers on questions related to their financial status.

Essential Functions

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodations may be made to help qualified individuals with disabilities perform the essential functions. Demonstrates strong working knowledge of all bank products, services, policies and procedures.

Be able to underwrite, approve and close or deny mortgage loans per Legence Bank’s Loan Policy and Freddie. Mac Guidelines. Be able to underwrite per Rocket. Mortgage TPO guidelines. Utilize sales management training and tools to identify and refer current and prospective clients. Effectively partner with other team members and departments to deliver the full complement of Legence Bank products and services.

Build external relationships through meeting with realtors, participating in civic groups and attending networking functions throughout the bank network. Cross-sell applicable products and services to existing portfolio customers to help make Legence their primary bank. Work with Branch Managers and their teams to assist and acquire new prospective customer relationships.

Prospect for clients independently by utilizing referral sources, existing customers, and centers of influence. Be an ambassador for Legence Bank within the community through participation in bank sponsored events, philanthropic opportunities and civic events. Adhere to all Legence Bank and AFMFS service standards, serving as an example to other team members, as well to our customers.

Represent and promote the company within the community through participation in bank sponsored events, philanthropic opportunities and civic events. All other duties assigned Competencies Ethical Detail, Goal, & Customer Oriented Relationship Building Organized Accountability & Communication Dependable Decision Making Initiative/Self-Starter Time Management Working Under Pressure Supervisory Responsibility This position has no direct supervisory responsibilities but does serve as a coach and mentor for other positions in the department.

Work Environment This job operates in a professional office environment. This role routinely uses standard office equipment such as laptop computers and smartphones. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk and hear. Specific vision abilities required by this job include close vision, distance vision, color vision and ability to adjust focus. This position requires the ability to occasionally lift office products and supplies, up to 20 pounds.

Position Type/Expected Hours of Work Some flexibility in hours is allowed, but the employee must be available during the "core" work hours of 8:00 a.m. to 5:00 p.m. Occasional evening and weekend work may be required as job duties demand. Travel Travel is primarily local during the business day, although some out-of-the-area and overnight travel may be expected.

Required Education and Experience High School Diploma or Equivalent Three (3) years of Mortgage Lending Experience Proficient in Microsoft Office Able to Quickly Learn New Software Valid Driver’s License Preferred Education and Experience Five (5) Years’ Experience in a Financial Setting Five (5) Years’ Experience in Mortgage Lending We understand that benefits matter – we offer a competitive benefit package for all full-time employees which includes: A workplace built on respect, integrity, and balance Medical, Dental, Vision Insurance coverage options 401(k) Plan + Company Match Competitive Pay starting at $27.

50/hr Career growth and opportunities for promotions Paid Time Off, Holiday Pay, and Sick Time Training for Professional and Career Development Generous parental leave Potential for annual performance bonus Potential referral incentives & commissions Additional Eligibility Qualifications

1. Must Obtain NMLS Status Within 60 Days Upon Hiring Work Authorization/Security Clearance (if applicable) AAP/EEO Statement Legence Bank is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, age, disability, protected veteran status, or any other characteristics protected by law. Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.