Mortgage Loan Officer - Premier Bank

Position Title: Mortgage Loan Officer 

Department: Mortgage Sales

Position Reports to:  Area Sales Manager or Regional Sales Manager

Position Supervises: No Direct Reports

Premier Summary:

At Premier Bank, an affiliate of Premier Financial Corp., we’re Powered by People, and know that our success is directly tied to great work by our team members. Our employees are dedicated to our clients, communities and each other. We are committed to promoting inclusiveness, diversity and a sense of belonging throughout our organization. We provide competitive benefits, incentive compensation, paid time off that includes paid community service hours, flexible spending accounts, retirement programs, professional development, tuition assistance and so much more.  If you want to make a difference, choose to share your talents at Premier.

Position Summary: 

This position’s primary responsibility is to originate residential first mortgage loans. Interviews loan applicants to understand financial needs and make appropriate recommendations.  Explains products, programs, loan process, settlement procedures and promotes the bank.  May work at various branch office locations or off-site as required to service the customer and establish relationships.  Ensures compliance with applicable Federal and State regulations.  Demonstrates and implements the Trusted Advisor strategy to all internal and external customers.

Duties and Responsibilities:

• Develops and implements sales strategies to establish relationships with non-borrower referral sources (realtors, builders, CPAs, etc.).

• Attends branch meetings, communicates status updates, maintains visibility and assists with branch goals. (if applicable)

• Interviews and counsels prospective mortgage applicants.

• Demonstrates professionalism and respect to customers and bank partners.

• Complies with Federal and State regulations as well as organizational policies and procedures. 

• Promotes bank products and services to loan applicants.  

• Complete other duties as assigned.

Education, Certification, License and Experience:

• High school graduate or equivalent.

• Minimum of 2 years of experience in a related field.

Skills and Knowledge:

• Strong knowledge of mortgage products.

• Strong knowledge of procedural and regulatory requirements.

• Excellent sales, public relations and customer service skills.

• Excellent interpersonal, communication and organizational skills.

• Excellent organizational skills and the ability to adapt to various working conditions.

• Responsible for knowing and ensuring compliance with applicable laws, regulations and guidelines, as detailed in policies that include but are not limited to Bank Secrecy Act and other applicable anti-money-laundering rules, Fair Lending, Community Reinvestment Act, Gramm-Leach-Bliley Act, and other laws and regulations as they pertain to the position.

Work Environment:

This job operates in a professional office environment. Work is normally performed in a typical interior work environment, which does not subject the employee to any hazardous or unpleasant elements. 

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to speak or hear, stand or sit for long periods of time, open filing cabinets, walk, stoop or bend, use hands to handle or feel and reach with hands and arms.   The employee must frequently lift and/or move up to 10 pounds, occasionally lift and/or move up to 25 pounds and complete tasks requiring manual dexterity. Ability to drive a vehicle for travel is required for the position.

Premier Financial Corp is an Affirmative Action and Equal Opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or any other legally protected status.

The above statements are intended to describe the essential functions of the job and the qualifications of the person assigned to it. They are not intended as an exhaustive list of all job duties, responsibilities and requirements. Duties, responsibilities and activities may change or new ones may be assigned at any time with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description does not constitute a contract of employment. Employment is “at will” and may be terminated at any time.