The Mortgage Loan Officer is responsible for developing residential mortgage business by building trusted relationships with homebuyers, realtors, builders, financial professionals, and community partners. This individual will advise borrowers throughout the mortgage process, structure financing solutions based on each customer’s needs, and collaborate closely with Choice’s mortgage operations team to deliver a responsive and transparent lending experience. The successful candidate will be motivated to build a book of business while helping expand Choice Bank’s mortgage presence. 

Responsibilities  

Business Development 

• Build customer relationships through the advising and servicing of mortgage loans.
• Originate, evaluate, and structure residential mortgage loan applications.  
• Acquire and maintain accurate and timely data, coordination and communication with processors, underwriters, closers and customers throughout the pipeline process.  
• Develops and maintains referral and industry networks including but not limited to realtors, builders and real estate professionals, and other business development contacts.  
• Achieve monthly, quarterly, and annual profitability and performance standards.
• Cross-selling of additional Choice Financial services.  
• Network and represent Choice Financial in the community, economic, and business development.
• Proactively manage assigned loans and partnerships to support timely closings. 

Compliance 

• Stay abreast of compliance changes, certifications and regulations to assure compliance.
• Maintain knowledge of the changing rules and regulations pertaining to both private and government-insured mortgages.
• Assures controls, guidelines, documentation and procedures are followed for secondary market pricing and expirations.
• Contains knowledge of bank and insurance (conventional and/or government lending guidelines) products and services.  

Other General & Administrative  

• Submits application forms to processing for verification of application information.  
• Communicates with applicants or other persons to resolve questions, documentation needs, qualification concerns, and credit decisions.  
• Contains knowledge and complies with policies and procedures and industry changes.  
• Performs duties outside normal scope as assigned.  

• Associate’s or Bachelor’s degree in Business Management, Sales, Marketing or related field.  
• 1-3 years of experience in banking, lending, or customer service (mortgage experience a plus). 
• Active or ability to obtain NMLS registration. 
• Strong attention to detail, reliability, and integrity.  
• Excellent communication and interpersonal skills. 
• Eagerness to learn and grow within the mortgage lending field. 
• Ability to work collaboratively in a team environment.  

Cultural Alignment   

Choice is #PeopleFirst, banking second.  

People don’t need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities. 

In contributing to our culture, Choice team members are guided by our core values. 

• Embrace change and encourage innovation. 
• Know when to ask for help and know when to offer help. 
• Better the places we live. 
• Work hard. Do the right thing. Have a little fun. 

Our vision of Diversity at Choice is supported by our #PeopleFirst mission and our core values. 

Being #PeopleFirst means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome at Choice. We can see you here. 

Disclosure 

This job description is intended to describe the general content of, and requirements for, the performance of this job.  It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a significant risk to the health and safety of themselves or other employees.  

All employment at Choice Financial Group is “at will” employment. This position description does not create an employment contract, implied or otherwise.

The base salary for this role is listed below. This pay range is posted to comply with wage transparency laws. The base salary may vary based on skill, ability, knowledge, experience, and geographic location. Full-time employees are also eligible for a competitive bonus and benefits package.