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Woodlands Bank Mortgage Loan Officer in Williamsport, Pennsylvania

Basic Qualifications *Education/Training: Associate degree in Business or related field normally required; specialized bank and mortgage education/training; S.A.F.E. Act certification required *Skill(s): Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations, communicative, and sales skills; thorough knowledge of current mortgage lending regulations; a working knowledge of bank operating policies and procedures which impact mortgage loan services; a thorough knowledge of the features and benefits of all bank mortgage loan products and services; proficient PC skills; visual and auditory skills; valid driver's license. *Experience: A minimum of three (3) years' experience in related positions normally required. General ResponsibilitiesResponsible for performing various duties to develop new mortgage business; achieving goals as established in the department's annual marketing/sales plan; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the mortgage lending function; communicating with appropriate management and staff personnel; providing periodic reports. Essential Duties *Performs a variety of duties to develop new mortgage business including, but not limited to, the following: *Achieves goals based on established quantitative sales objectives on an annual basis; this activity to be done in conjunction with the department's annual marketing/sales plan. *Makes recommendations regarding new mortgage loan products. *Solicits new business from both present and prospective customers; maintains ongoing contacts with present customers in order to enhance cross-selling activities; maintains detailed records of meetings with prospective or present customers. *Serves as a member of the bank's sales andquot;teamandquot; and works with other members of the sales/service team in striving to increase sales opportunities. *Develops relationships with customers, realtors, community and civic organizations, and other lenders to promote goodwill and generate new business. *Locates and contacts prospective customers to present the bank's financial services and to ascertain banking needs; develops referral base through active promotion and business development efforts with realtors/brokers. *Interviews customers applying for mortgage loans; explains the different financing and mortgage programs available; obtains pertinent financial and loan information from the customer; analyzes the customer's financial posture to determine if it meets minimum loan criteria established by the bank; maintains a thorough knowledge of secondary market and portfolio loan underwriting criteria. *Informs customer of the outcome of the preliminary financial analysis and, if acceptable, indicate that the loan will require further processing before it can be recommended for approval; if unacceptable, explore alternative, if any, to restructure the application to meet the lending criteria; follows up with necessary communications including correspondence. *May make recommendations to senior management on loan decisions when required. *Attends workshops, seminars, or other developmental opportunities to improve individual and/or team performance. *Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment that is free of harassment and other forms of illegal discriminatory behavior in the workplace. *Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc. *Coordinates work with other personnel within the department as well as with other departments in order to ensure the smooth and effici