Mortgage Lender

SCHEDULE: Full-time; Monday through Friday (8:30 am - 5:30 pm) Evenings and Weekends by appointment. Average of 40 hours a week.

LOCATION: Linn County

BENEFITS: Our employees are our most valuable assets, so we invest in them with a comprehensive and competitive benefits package. Our philosophy of taking care of the customer extends to taking care of our employees so that they, in turn, can take good care of themselves and their families. Join Hills Bank and let us surprise you with even more perks!

SCOPE:

The Mortgage Lender is responsible for recruiting and interviewing applicants for real estate and home equity loan origination, cross-selling other bank products and assisting existing customers with mortgage needs. The lender will be required to originate all mortgage loans in compliance within federal and bank regulations and policies. The lender must also establish and maintain a strong referral base both within the bank, and externally with real estate related parties.

A successful lender must be a self-starter, meet deadlines in a fast-paced work environment, develop relationships through networking and sales calls, be able to efficiently multi-task, and be genuinely interested in the needs of others including the bank. As part of the overall bank team, the Home Mortgage Lender may also be requested to help with other department projects or needs as necessary.

ACCOUNTABILITIES:

• Responsible for recruiting and interviewing applicants for real estate and home equity loan origination, and cross-selling other bank products and services. This will include soliciting new business on a regular basis and expanding relationships with existing customers.
• Listen to customer requests and prescribe loan products to best meet their needs.
• Consistently provide a high level of customer service with a "how can I help you" attitude.
• Utilize the banks CRM system to document sales calls, networking events, and referrals.
• Address customer and realtor complaints/concerns in a timely and appropriate manner.
• Provide friendly and helpful assistance as needed to mortgage loan processing staff during all stages of the loan process.
• Be knowledgeable of mortgage products, compliance, processing, underwriting, and closing requirements.
• Adhere to procedural guidelines for submitting complete, accurate, and timely loan applications, which are compliant with all rules and internal operational policies and procedures.
• Be cognizant of the mortgage department's profitability and make decisions to protect it.
• Maintain clear and open communication with the customer, external entities, and mortgage loan processing to assure a smooth transaction
• Recommend marketing, product and rate suggestions to the Vice President of Mortgage Lending to improve the bank's market share, competitive position, and profitability as market conditions change.
• Attend and contribute to Mortgage Lender sales and marketing meetings.
• Responsible for maintaining your loan portfolio within the guidelines set by bank policy.
• Be actively involved in professional and community organizations as a representative of the bank.
• As part of the overall bank team, the lender will need to attend regular branch meetings and may be asked to support other areas and functions within the bank.

EDUCATION AND SPECIAL REQUIREMENTS:

• Four-year degree in business administration or equivalent work experience is preferred.
• Mortgage lending experience required.
• A successful candidate will have experience in customer service and sales.
• Must be a self-starter, accept responsibility, and have the ability to work independently.
• Must be able to work in a fast paced, high stress environment and respond appropriately to difficult situations
• Must be outgoing and friendly.
• Knowledge of the community they will be lending in (Linn, Johnson, or Washington) would be beneficial.
• Must be willing to participate in community events and activities, which will often include evening and weekend hours.
• Satisfactory completion of regular compliance exams.
• This job requires skills needed in a typical office environment. This includes computer skills, communications skills, as well as utilization of office equipment.

EQUAL OPPORTUNITY EMPLOYER