American Bank of Commerce: Mortgage Loan Officer- Inside Sales

Description:ABC Bank Family of Companies is a leader in the Mortgage Industry and is looking for driven Mortgage Lenders to join our team!We are currently seeking qualified applicants to work as a Mortgage Loan Officer (Inside Sales) for American Bank of Commerce NMLS#460789 and our subsidiary Infinity Mortgage Holdings (IMH) NMLS 144092.

The Inside Sales Mortgage Loan Officer will exemplify to the Company’s Mission, Vision, Values and Goals.The Inside Sales Mortgage Loan Officer (MLO) is responsible for origination of residential mortgage loans.

Leads will be provided and the MLO will be responsible for timely follow up and meeting expected conversion of leads into closed loans.

Candidates should be able to convey policies for extension of credit in accordance with Bank and secondary investor guidelines.

The MLO serves customers, prospective customers, and referral sources promptly and professionally.The preferred candidate will have a minimum of one to three years prior residential mortgage lending experience, customer focus experience, or related sales experience.

Great incentives are available based on achievements.Essential Job Functions: Conducting outbound and answering inbound calls and face-to-face meetings with prospects and customers daily, Building and maintaining relationships with new and repeat customers, Maintaining records of all sales leads and customer accounts, Educating customers on the residential mortgage loan process, the differences between different types of loans, and how particular loans may or may not benefit them, Receiving customer applications, quoting rates and fees, and completing follow-up activities and registration lock-ins, Selling the Company’s products and services to new and repeat customers, Monitoring market conditions and the Company’s competition to better understand the current needs of customers, Maintaining current knowledge of, and complying with, all applicable Requirements, Originating the actual mortgages, Overseeing the loan transaction from initiation, through processing, approval, closing and recording, while ensuring the customer understands and is satisfied with the process, and that the activities undertaken comply with Company Policies; and Handling customer questions and complaints.

Ensures the integrity of the information submitted in the loan application process and completes all steps within the required time frame.

Maintains consistent volume of mortgage loans in pipeline.

Consistently cleans that pipeline of adverse applications that are not active or should be declined for other reasons per ECOA guidelines.

Perform other duties as assigned by management/supervisor.

Comply with federal, state and company policies, procedures, laws, and regulations.

Adhere to all relevant security responsibilities as outlined in the Bank’s Information Security ProgramSpecialized Knowledge, Skills & Abilities: Ability to communicate professionally, clearly and concisely in verbal and written form with customers, supervisors, peers or subordinates.

Demonstrated understanding of mortgage processing, underwriting and closing procedures.

Knowledge of conventional and/or government lending guidelines.

Understanding of Federal Regulations governing Real Estate Lending.

Explain rules, policies or regulations.

Making decisions and problem solving Self-motivated and flexible with the ability to work in a fast-paced environment Ability to use sound judgment and work independently Strong computer skills including a fundamental understanding of MS applications, database management and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information.

Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.

Ability to analyze and comprehend complex financial data and provide financial alternatives.

Active learning, active listening, critical thinking and reading comprehension Establishing and maintaining interpersonal relationships Organizing, Planning and prioritizing work Documenting/recording information Thorough knowledge of investor, mortgage insurer and agency underwriting guidelines.

Computer literate with Microsoft Office products Extensive experience working with loan origination systems (LOS) strongly preferred.

Well versed in Conventional Lending.

Knowledge of financial management.

Strong technical skills; Proficiency in MS Office.

High level of integrity and confidentiality required.Work Context: Requires work from a designated office location.

Remote work at manager’s discretion.

Requires telephone conversations Requires awareness of competitive pressures Requires repeating the same physical activities or mental activities Requires meeting strict deadlines Requires work with others in a group or team Requires ability to multitask and perform different duties during the day.

Requires contact with others (face-to-face, by telephone, or otherwise) Requires being exact or highly accurate Requires use of electronic mail Requires work with other employees Includes responsibility for work outcomes and results Requires meeting goals set by supervisor Requires compliance with federal, state, and company policies, procedures, laws and regulations BenefitsWe offer a competitive salary and excellent benefit packages:* Medical, Dental, Vision, TeleMedicine* Flexible Spending Account, Dependent Care FSA* Basic Life and AD& D Insurance, Voluntary Life and AD& D* Long-Term Disability* Employee Assistance Program* Paid Time Off-in addition to Volunteer PTO* Gym Membership Reimbursement* 401k Retirement Plan with an employer matchOUR MISSION: Financial Professionals | Finding Solutions | Making a Difference OUR VISION: The ABC Family of Companies vows to be partners in helping our customers make the most of their finances.

Our shared vision is to provide the highest quality products and services designed to fit the unique needs of each customer..Requirements:*Ability to communicate professionally, clearly, and concisely in verbal and written form with customers, supervisors, peers, or subordinates.* Demonstrated understanding of mortgage processing, underwriting, and closing procedures.* Knowledge of conventional and/or government lending guidelines.* Understanding of Federal Regulations governing Real Estate Lending.* Self-motivated and flexible with ability to work in a fast-paced, deadline-driven environment.* Ability to use sound judgment and work independently.* Ethical, with a commitment to company values.* Strong computer skills including a fundamental understanding of MS applications, database management and previous experience utilizing laptop technology for communication purposes including accessing rate, credit, and loan status information.* Ability to analyze and comprehend complex financial data and provide financial alternatives.* Establishing and maintaining interpersonal relationships.* Thorough knowledge of investor, mortgage insurer and agency underwriting guidelines.* Extensive experience working with loan origination systems (LOS) strongly preferred.* Well versed in Conventional Lending.; knowledge of financial management.

Minimum Education, Training & Work Experience: High School Education or GED required; Bachelor’s degree preferred.

1-3 years residential mortgage experience preferred.

Candidates being considered for this position will be subject to additional background checks (including thumb printing) as required by SAFE Act and other state and federal regulations.

If you are unable to submit your application electronically, you may contact the Human Resources Department at 806-775-5000 so that we may assist you.

The company assures that all applicants for employment and all of its employees are given equal consideration based solely on job related factors, such as qualifications, performance and availability.

Such equal consideration applies to all personnel actions, including, but not limited to, recruitment, selection, appointment, job assignment, training, promotion, merit increases, demotion, termination, pay rates and fringe benefits.The company commits to a rigorous and planned effort to encourage men and women of every race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other non-job related characteristic to find happy, vital and productive job fulfillment at all levels of our company.Qualified applicants will be required to have a drug screen in addition to background, credit, and reference checks.PI157675977