Job Openings >> Mortgage Loan Officer
Mortgage Loan Officer
Title:Mortgage Loan Officer

The Mortgage Loan Officer is responsible for originating residential 1st mortgage loans.  The MLO originates 1st mortgage products including Conventional, FNMA/FHLMC, FHA, VA, USDA Rural Housing, Jumbo and Portfolio loan products.  The MLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise borrowers of product, pricing and loan program guidelines, and gather any additional required information. The MLO ensures exceptional customer service by maintaining thorough knowledge of mortgage loan programs, policies, procedures and regulatory requirements. 
Essential Functions
  1. Proactively solicit business from referral sources: realtors, builders, CPA’s, attorneys, personal spheres of influence and affinity sources
  2. Routinely participate in business development activities in the community and prospect for new business on a continual basis
  3. Grow and maintain customer database via CRM technology
  4. Enter complete/accurate customer information into the Loan Origination System
  5. Must be able to quote accurate rates, closing costs and loan terms
  6. Knowledge of conventional, government, jumbo and portfolio loan underwriting guidelines
  7. Familiar with FHA and HUD guidelines
  8. Product knowledge that focuses on a needs based selling approach with the borrower
  9. MLO will run AUS (Automated Underwriting System) and must be able to analyze results
  10. Ability to manage existing loan pipeline
  11. Knowledge of processing, underwriting and closing procedures as well as federal lending regulations governing real estate lending
  12. Successfully interacts with the lending staff, underwriters, and processors to aid in meeting closing deadlines. 
Required Education and Experience
  1. Associate’s degree (A.A.) or equivalent from two year college or technical school
  2. Six months to one year related work experience and/or training.
  3. Or, equivalent combination of education and experience.
Preferred Education & Experience
Two to three years of Mortgage Loan Origination and/or sales experience
Additional Eligibility Qualifications
This position is subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in your immediate termination.

We offer a competitive wage and comprehensive benefit plan.

Coastal States Bank (“CSB”) builds relationships by providing a full range of banking services designed for businesses, their owners, and individuals looking for a local banking partner. With a community bank presence in the LowCountry of South Carolina (Hilton Head Island and Bluffton), Savannah, Atlanta, and North Georgia (Cumming and Dawsonville), CSB also serves communities across the country through our Government Guaranteed Lending, Senior Housing, and Mortgage Banker Finance lines of business.

CSB – Local. And Proud Of It.®
Coastal States Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants for employment without regard to race, religion, color, sex, national origin, age, disability or veteran status, or any other legally-protected factors.
We thank all interested candidates, however only those selected for an interview will be contacted.

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