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Mortgage and Consumer Lender - Huxley
Location:
Huxley, IA
Description:
Summary Makes and services a variety of consumer mortgage, construction, and retail loans. Develops and manages mortgage, consumer construction, and consumer loan accounts that meet established lending requirements and provide maximum profitability for the bank at minimum risk. Provides service to customers and prospective customers seeking mortgage, consumer construction, and retail loans. Operates within lending authority . Essential Duties and Responsibilities include the following. Other duties may be assigned. Interviews applicants interested in obtaining mortgage, consumer construction, and retail loans. Interviews customers to gather credit application information concerning desires, abilities and earnings to determine loan needs. Explains loan options, rates, terms, and collateral requirements. Arranges loan decision and notification dates. Cross-sells other bank related products and services associated with the loan. Work with commercial lenders to manage the building phase of consumer construction loans. Underwrites mortgage and retail loans. Orders credit report, disclosures and verifies necessary data. Prepares loan documents and analyzes debt-to-income ratio. Evaluates and determines credit-worthiness according to the bank's credit policies. Coordinates with loan processors to order appraisals. Makes credit decision to approve or decline loans within credit limits, or by committee approval. Makes mortgage, consumer construction, and retail loans to customers within credit authority limits. Communicates credit decision to loan applicants. Negotiates credit terms and repayment schedules within established guidelines. Coordinates with Loan Processors to prepare adverse action notices. Keeps informed of changing rules and regulations pertaining to private and government insured mortgages, consumer construction, and consumer lending. Schedules, coordinates, and conducts loan closing. Reviews loan documents with customers. Obtains customer's signature on loan documents. Reviews document after closing to ensure accuracy of transaction. Coordinates Loan Processors for loan disbursements. Follows up on any post-closing documentation required by secondary market investors. Services loans in portfolio to retain high loan quality level. Reviews progress of loans on a periodic basis. Monitors and follows-up on loan maturities and renewals. Monitors the delinquent reports and takes appropriate corrective action. Corresponds with customers with delinquent accounts, counsels borrowers to bring accounts current. Provide guidance to customers seeking solutions to financial problems. Handles follow-ups, collections, or problem loans or may personally visit delinquent customers. Works in concert with internal and external auditors to ensure compliance with bank policies and procedures and federal and state regulations. Develops new business and expands existing relationships. Participates in civic and community activities to generate visibility and contacts for the bank. Cross-sells retail products and services. Makes sales calls to existing and prospective clients to determine client's financial needs. Develops relationships with realtors, builders, and developers. May perform two or more of the following functions: Coordinates collection activities of credits within portfolio. Provide guidance to less experienced mortgage and retail lenders. Retrieves collateral when account is deemed uncollectible or makes arrangements for outside assistance. Maintains control of the foreclosed asset and dispose of the property to minimize losses. Education and/or Experience Prefer a Bachelor's degree (B. A.) from four-year college or university in a business related field. Proven ability to solicit purchase money mortgage business. Three+ years of secondary market lending experience. Other Skills and Abilities Expert knowledge of Secondary Market Real estate lending function; operations, processes, and procedures Working knowledge of: Federal and state regulations pertaining to real estate lending Real estate loan credit analysis Mortgage loan closing process and procedures CRA policy (Community Reinvestment Act) Collateral collection procedures Bankruptcy and foreclosure procedures Rules and regulations of private and government insured mortgages Other Qualifications Must be able to travel between bank locations and to business calls using own transportation. VisionBank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran and/or disability status.
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More About this Listing: Mortgage and Consumer Lender - Huxley
Mortgage and Consumer Lender - Huxley is a Accounting & Finance Mortgage and Consumer Lender Job at Visionbank located in Huxley IA. Find other listings like Mortgage and Consumer Lender - Huxley by searching Oodle for Accounting & Finance Mortgage and Consumer Lender Jobs.
Mortgage and Consumer Lender - Huxley is a Accounting & Finance Mortgage and Consumer Lender Job at Visionbank located in Huxley IA. Find other listings like Mortgage and Consumer Lender - Huxley by searching Oodle for Accounting & Finance Mortgage and Consumer Lender Jobs.