Mortgage Lender
United Bank of Southwest Alabama & Northwest Florida, Daphne, AL, United States
The Mortgage Lender is primarily responsible for originating and managing a range of portfolio mortgage products, including non-conforming mortgages, construction loans, second homes/vacation properties, and HELOCs. They work closely with individual and business clients to assess their financial needs and offer tailored loan solutions. They will act as a liaison between customers and the Bank’s conforming mortgage referral partner to guide them through the application process.
Primary Duties & Responsibilities
Reviews loan applications, analyzes financial information, evaluates collateral, and determines creditworthiness Makes appropriate credit decisions, underwrites loans within approved lending authority, and recommends loan approval to higher authority when needed Ensure accurate and complete documentation for loan approvals Provide personalized financial solutions based on customer needs Educate customers on loan products, terms, and repayment options Maintain long-term relationships with clients to promote loyalty and repeat business Proactively identify referral opportunities for banking products such as credit cards, deposit accounts, and insurance Maintains an active role in the community and develop relationships with local businesses, realtors, and others in the real estate industry to generate referrals Meet or exceed loan production goals and sales objectives Adhere to all banking policies, regulatory guidelines, and lending procedures Ensure loans comply with underwriting guidelines and risk assessment standards Monitor loan performance and resolve any delinquent accounts Liaison to secondary mortgage vendor Any additional duties as assigned by Management
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Reviews loan applications, analyzes financial information, evaluates collateral, and determines creditworthiness Makes appropriate credit decisions, underwrites loans within approved lending authority, and recommends loan approval to higher authority when needed Ensure accurate and complete documentation for loan approvals Provide personalized financial solutions based on customer needs Educate customers on loan products, terms, and repayment options Maintain long-term relationships with clients to promote loyalty and repeat business Proactively identify referral opportunities for banking products such as credit cards, deposit accounts, and insurance Maintains an active role in the community and develop relationships with local businesses, realtors, and others in the real estate industry to generate referrals Meet or exceed loan production goals and sales objectives Adhere to all banking policies, regulatory guidelines, and lending procedures Ensure loans comply with underwriting guidelines and risk assessment standards Monitor loan performance and resolve any delinquent accounts Liaison to secondary mortgage vendor Any additional duties as assigned by Management
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