Mortgage Lending Officer

RB&T Mission Statement:  
As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.

Position Summary:
River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement/relationships, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly.

Essential Duties and Responsibilities:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following:
- Interview customers to determine their mortgage needs
- Responsible for collecting financial information & evaluating creditworthiness and eligibility to obtain a mortgage loan
- Guide the customer through their options and throughout the process
- Prepare and submit mortgage loan applications
- Ensure data are in line with national and local financial guidelines
- Keep the customer informed throughout each step of the process
- Help resolve problems/conflicts with applications
- Ensure compliance with privacy laws and confidentiality throughout the process
- Build and maintain customer relationships, internal referral network, and community involvement

Minimum Qualifications:
- High School diploma or equivalent
- At least (2) years experience in related or equivalent mortgage banking
- Knowledge & understanding of real estate lending criteria, compliance, federal/state regulations, loan origination, and servicing software

Skills, Abilities & Expectations:
- Be familiar with and follow policy and procedures, and support Management's decisions and goals in a positive, professional manner.
- Stay abreast of regulatory requirements and complete annual compliance training applicable to the position
- Assuring customer service is a top priority whether internally or externally; treating customers and employees professionally, with courtesy and respect
- Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
- Detail oriented and organized Mortgage Loan Originator Job Description
- Ability to analyze financial information
- Excellent interpersonal and communication skills
- Integrity, discretion, and respect for confidential information are essential
- Willingness to adapt to change
- Work within a variety of different software and web applications
- Able to prioritize duties and effectively manage time
- Analytical and problem-solving skills
- Attend work regularly, on time, and withstand varying degrees of stress
- Excellent interpersonal and communication skills
- Maintaining a professional, business-like appearance and demeanor
- Proficiency in Microsoft Office products including: Word, Excel, and Outlook

Physical Demands:
The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle, or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.