Mortgage Loan Officer

Job Description

Job Description

We’re Hiring!

Mortgage Loan Officer - Atlanta, GA

Building relationships since 1921, Citizens Trust Bank is an institution built on a rich history of financial empowerment. Our Bank continues to champion its commitment to providing viable business and consumer money management solutions and personalized service to meet the growing needs of its customers. Our mission is to empower generations for financial success.

We are driven to excel and led by our mission of empowerment to prepare generations to secure a financial future. We inspire and execute our institution’s values of INTEGRITY, COLLABORATION, INNOVATION, SERVICE EXCELLENCE, RESPECT, ACCOUNTABILITY, and LEADERSHIP to be the keys to our ongoing success.

By joining our team, you can expect opportunities to enhance personal skills as well as professional growth. As community partners, associates, and stakeholders of the bank’s legacy - We Are Citizens Trust Bank, and we are united in the achievement of the bank and its mission and objectives. We invite you to be a part of our awesome team.

If you are interested in this position and meet the qualifications and requirements, please apply at Additionally, if you have any questions, please contact us at 404-575-8263.

POSITION SUMMARY:

POSITION SUMMARY:

Responsibilities include but are not limited to the following:

• Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions
• Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank
• Screens mortgage loan requests; educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations
• Obtains required information and documents from prospective loan clients and analyzes financial and credit data
• Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner
• Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers
• Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank
• Hosts and conducts homebuyers related seminars and educational sessions
• Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank’s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations
• Demonstrates consistent professional appearance, image, ethics, integrity, and represents the CTB Brand
• Attends and participants in various business meetings; schedules and confirms appointments; follow-up on business referrals
• Composes and distributes various correspondence and reports; assists with the development of marketing material and resources
• Adheres to all policies, procedures, guidelines, expectations, laws and regulations
• Exceeds all established positions’ goals, objectives, and expectations
• Supports the Bank’s vision, core values, business principles, goals, and objectives
• Performs other duties and responsibilities as assigned

QUALIFICATIONS, SKILLS, AND ABILITIES:

• Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment
• Bachelor’s degree in finance, accounting, economics, marketing, business administration, or related field
• Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required
• Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures
• Excellent quality customer service skills and ability to establish relationships in a manner that enhances the overall marketing efforts of the Bank
• Must be able to maintain positive composure and consistently demonstrate professional appearance, image, and represents the CTB Brand
• Ability to prepare mortgage files for underwriting within established guidelines
• Excellent telephone etiquette and respectful of others
• Proficient in Microsoft Office (Word, Excel, Outlook, Internet, and working knowledge of Encompass Mortgage software systems)
• Assertive and demonstrates initiative with the ability to comprehend and follow directions and instructions
• Ability to produce accurate and organized work with minimum supervision
• Genuine interest in serving and caring for others
• Excellent organizational, listening, and interpersonal skills are required
• Ability to handle and maintain confidential matters and information
• Up to date understanding of industry trends and developments
• Must be a self-starter who is self-motivated with the ability to produce results, meet all established goals, objectives, and expectations, and ability to comply with all bank policies, procedures, regulations, and laws
• Excellent analytical and problem resolution and negotiation skills
• Ambitious with a strong work ethic, positive behavior, ability to work both independently and as a part of a team, results focused, and detailed-oriented with excellent time management and planning skills
• Excellent communication skills with ability to communicate clearly, concisely, tactfully, and effectively
• Ability to maintain a proactive approach to assignments and multi-task oriented
• Flexible, resourceful, and energetic with excellent research and presentation skills
• Exceptional creativity with ability to manage multiple tasks and prioritizes work to meet deadlines
• A competitive winning spirit that understands the team concept
• Ability to work through situations and find win-win solutions
• Ability to establish and maintain effective working relationships with co-workers, customers, and representatives of other departments
• Ability to work in a fast paced, high volume environment, and must be adaptable to change

Citizens Trust Bank is committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment based on respect, accountability, and high-quality performance. We offer competitive compensation and a comprehensive employee benefits package for our full-time employees. Our benefits package includes the following:

 Medical, Dental, Vision, and Prescription

 401(k) Retirement Plan

 Life Insurance

 Accidental Death & Dismemberment

 Short&/Long Term Disability

 Flexible Spending Plan

 Paid Time Off, Vacation, and Holiday Pay

 Tuition Reimbursement

 Employer Assisted Housing Program

EEO/AA

11/21

 Wholesale Membership Program

 Wellness Program

 Employee Assistant Referral Services (EAP)

 Legal Shield Program

 Group Cancer & Accident Insurance Programs

 Worker’s Compensation Program

 Free Banking Services

 Awards and Recognition Programs

 Training & Development Programs and much more