Mortgage Loan Officer

Job Summary

Primary responsibilities include the solicitation and origination of mortgage, real estate related and other HomeTrust Bank loan products.  The incumbent counsels borrowers to ensure they acquire a loan product appropriate to their circumstances, assesses the best options for the customer’s needs, and makes appropriate recommendations.  This position analyzes the prospective borrower’s income and debt, counsels borrower on credit record or other problems, and pre-qualifies the borrower. 

Key Responsibilities / Essential Functions

• Originates mortgage loans.
• Interviews customers and completes detailed loan application.
• Prequalifies borrowers using standard underwriting procedures.
• Counsels customers on home buying and financing process.
• Develops and maintains personal loan pipeline.
• Works with Loan Processor to facilitate underwriting and processing phases of loans.
• Answers telephone and written inquiries concerning active loans and bank loan offerings.
• Cross-sells financial institution products and services as appropriate.
• Provides disclosures to borrower including Truth in Lending and Good Faith Estimates.

Job Requirements

Education:

• High school diploma or equivalent required. 

Required:

• 3 years of experience required as a retail loan originator, processor, sales assistant or equivalent experience with a proven sales record.
• Good basic computer skills.
• Must be bondable, and valid driver’s license.
• Ability to understand and use bank loan policies and procedures to support positive customer interactions.
• Ability to communicate effectively with customers, staff, and the general public in a positive, problem solving manner.
• Ability to listen to and convey accurately and quickly, detailed information, important instructions and/or ideas.
• Ability to think and act independently within guidelines and limitations of bank policy and assigned personal authority.
• Proficient in Microsoft Office products.

Preferred:

• College degree in related field.

About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, and Tennessee. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization. 

Work Environment, Physical Requirements  

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job.  HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting up to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery or other job-related tools.

DISCLAIMER:  HomeTrust Bank is an evolving company.  As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job.  While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.