Mortgage Loan Officer

JOB REQUIREMENTS: Description Are you passionate about helping individuals and families achieve homeownership while building strong relationships in your community? At CCFBank, our Mortgage Loan Officers serve as trusted advisors, guiding customers through every step of the mortgage process while developing new business opportunities and partnering with real estate professionals throughout the market. This role combines consultative sales, financial analysis, and exceptional customer service to deliver lending solutions that meet our customers' needs and support the growth of the Bank. What You'll Do: You'll cultivate referral networks, develop new business relationships, originate residential mortgage loans, and provide expert guidance to borrowers from application through closing. As a key representative of the Bank, you'll collaborate with internal partners and community stakeholders to create an outstanding customer experience while ensuring compliance with all lending regulations and Bank policies. Primary Responsibilities Develops and cultivates new business relationships through proactive business development efforts. Identifies opportunities to expand customer relationships by cross-selling banking products and services and referring clients to appropriate internal partners as needed. Reinforces the application of superior customer service through their own example along with appropriate follow-through with involved customers and colleagues. Establishes and maintains a close working relationship with mortgage and title companies, contractors, builders, appraisers, real estate agents and other real estate industry professionals. Conducts comprehensive interviews with prospective borrowers and existing customers to gather required financial and personal information and guide them through the loan application process. Evaluates customer needs and recommends appropriate lending solutions, including loan terms, interest rates, and repayment options. Follows up with applicants to clarify, verify, and resolve questions related to application information, ensuring a seamless and efficient lending experience. Conducts borrower prequalification assessments and analyzes financial information to evaluate creditworthiness and repayment capacity. Assesses lending opportunities and associated risks in alignment with the Bank's credit policies, risk management standards, and prevailing economic and industry conditions. Orders and reviews credit reports, flood zone determinations, and desktop underwriting findings to support sound lending decisions and ensure compliance with underwriting requirements.... For full info follow application link. Citizens Community Federal is an equal employment opportunity employer and will give all qualified applicants consideration for employment without regard to race, color, religion, sex, national origin, disability status, sexual orientation, protected veteran status or any other characteristic protected by law. ***** APPLICATION INSTRUCTIONS: Apply Online: ipc.us/t/D5BB63D11A6143C2