Bell Bank
Mortgage Loan Officer - Bell Bank, Gilbert, AZ
Under minimum supervision, this position will market and originate mortgage loans that meet regulatory and investor guidelines to be sold on the secondary mortgage market.
Primary Duties
Gather all information necessary for documentation, analysis, disclosure, and underwriting loan applications.
Structure loans to ensure compliance with product guidelines.
Submit through DU/LP and review findings to ensure borrower findings meet guidelines.
Enter all required information into the mortgage loan origination system and order appraisal.
Solicit and take loan applications in a professional and timely manner in line with company standards and procedures.
Evaluate credit factors and eligibility to ensure applications meet guideline requirements.
Provide appropriate borrower compliance information at the time of application, have disclosures signed and delivered.
Provide Loan Estimate (LE) within regulatory guidelines and re-disclosure as required by MDIA requirements.
Provide all necessary applicant information to the processor.
Price loans according to guidelines and secure signed lock agreements.
Review Closing Disclosure (CD) and prepare the borrower for closing.
Maintain open communication with agents, borrowers, processors, and closers to provide excellent customer service.
Develop individual marketing plans to expand market share and stimulate loan production.
Maintain regular customer contact with professional and community organizations to ensure a positive company image.
Stay up to date on all program, compliance, and investor guideline changes that will affect the borrower and Bell Bank Mortgage.
Provide advice and service to applicants requesting mortgage information.
Make preliminary determinations of applicant credit worthiness and issue prequalification statements of borrower eligibility.
Maintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management.
Know, understand, and live the company values and bottom line.
Conduct activities consistent with Bell Bank policies, procedures, the Bell Bank Employee Conduct policies, the Bank Secrecy Act, and all applicable state and federal laws and regulations.
Ensure information security compliance per company policies and standards protecting sensitive information.
Perform other duties as assigned.
Job Skills Required
B.A. or minimum of three years of mortgage banking experience.
Two years of mortgage banking sale experience.
NMLS registration.
Familiarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA lending, regulatory compliance, and investor guidelines.
Ability to strategically plan to market and develop business contacts.
Ability to work with limited supervision.
Excellent customer service skills.
Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.
Ability to travel to different branches and to off‑site meetings to meet with clients or co‑workers.
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Primary Duties
Gather all information necessary for documentation, analysis, disclosure, and underwriting loan applications.
Structure loans to ensure compliance with product guidelines.
Submit through DU/LP and review findings to ensure borrower findings meet guidelines.
Enter all required information into the mortgage loan origination system and order appraisal.
Solicit and take loan applications in a professional and timely manner in line with company standards and procedures.
Evaluate credit factors and eligibility to ensure applications meet guideline requirements.
Provide appropriate borrower compliance information at the time of application, have disclosures signed and delivered.
Provide Loan Estimate (LE) within regulatory guidelines and re-disclosure as required by MDIA requirements.
Provide all necessary applicant information to the processor.
Price loans according to guidelines and secure signed lock agreements.
Review Closing Disclosure (CD) and prepare the borrower for closing.
Maintain open communication with agents, borrowers, processors, and closers to provide excellent customer service.
Develop individual marketing plans to expand market share and stimulate loan production.
Maintain regular customer contact with professional and community organizations to ensure a positive company image.
Stay up to date on all program, compliance, and investor guideline changes that will affect the borrower and Bell Bank Mortgage.
Provide advice and service to applicants requesting mortgage information.
Make preliminary determinations of applicant credit worthiness and issue prequalification statements of borrower eligibility.
Maintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management.
Know, understand, and live the company values and bottom line.
Conduct activities consistent with Bell Bank policies, procedures, the Bell Bank Employee Conduct policies, the Bank Secrecy Act, and all applicable state and federal laws and regulations.
Ensure information security compliance per company policies and standards protecting sensitive information.
Perform other duties as assigned.
Job Skills Required
B.A. or minimum of three years of mortgage banking experience.
Two years of mortgage banking sale experience.
NMLS registration.
Familiarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA lending, regulatory compliance, and investor guidelines.
Ability to strategically plan to market and develop business contacts.
Ability to work with limited supervision.
Excellent customer service skills.
Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.
Ability to travel to different branches and to off‑site meetings to meet with clients or co‑workers.
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