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Mortgage Loan Officer

First State Bank Scottsbluff, NE

Job Description

Title Mortgage Loan Officer (MLO)

 Position Summary

Responsible for structuring and closing real estate loans as well as developing new business. Represents the bank in the local community through active involvement in community affairs and participates in marketing all of the bank’s products and services.

Key Duties & Responsibilities

• Source and develop loans for all aspects of our market including but not limited to: HELOC, residential real estate, and new construction.

• Maximize bank profitability through appropriate pricing of new loan originations and fee income.

• Work with loan team to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured.

• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank in accordance with bank procedures including the completion and maintenance of financial tracking records in a timely fashion.

• Complete necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner.

• Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.

• Build and maintain positive relations with all customers, potential customers, area realtors and co-workers.

• Perform as a team member in allocating and coordinating the work flow.

• Contribute to the fulfillment of department and company objectives and goals.

• Comply with all department and company policies, procedures and regulations.

• Other duties as assigned.

Knowledge, Skills & Abilities?

Excellent customer service skills, attentiveness, and information retention.

• Ability to interact effectively with employees in order to direct work flow, assess performance and assign duties.

• Must be a proficient communicator and listener, as well as strong organizational skills.

• Needs to have excellent relationship-building skills.

• Ability to influence and persuade to achieve desired outcomes. Our people make the difference, and we put relationships first.

• Familiar with banking regulations and responsibilities relating to each including a working knowledge of the Uniform Commercial Code (UCC), mortgages, liens and other aspects of the loan collateral perfection.

• Self-starter, ability to work independently.

• Competence with computers.

• Ability to work in a fast-paced environment & under pressure as needed.

• The ability to make sound decisions.

This may include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Bank’s exposure to loss or fraud and the ability to think through and rationalize decisions.

• The requirements listed above are representative of the knowledge, skill, and/or ability required. 

Education & Experience

Bachelor’s degree in Finance, Business, Economics or related field preferred. 2-5 years of commercial, consumer, real estate or agriculture lending experience.

Job Details

Date Posted October 2, 2017
Date Closes November 1, 2017
Address 2002 Broadway
Located In Scottsbluff, NE
Work At First State Bank
Department Loans
Function Mortgage Loan Officer
Job Type Full-time Employee
Compensation Salary, Varies, Based on Experience
Experience Level Intermediate (3-7 yrs. experience)
Mon: 8 am to 5 pm
Tue: 8 am to 5 pm
Wed: 8 am to 5 pm
Thu: 8 am to 5 pm
Fri: 8 am to 5 pm
Hours 40+ hours per week; One Saturday 8am-Noon every 9 weeks.
SOC Category 13-2072.00 Loan Officers
Zipcode 69361
Name Rick Tuggle
Address PO Box 1267
City, State and Zip Scottsbluff NE 69363-1267
Phone 308-633-6106
FAX 308-635-2311

This job offers the following benefits

  • 401(k) Retirement Savings Plan
  • Flexible Spending Accounts
  • Health-Care Spending Accounts
  • Accidental Death and Dismemberment
  • Dental
  • Life Insurance
  • Long-Term Disability
  • Medical
  • Vision
  • Paid Holidays
  • Paid Vacations

This job requires the following skills

  • Bank Lending
  • Financial Analysis
  • Loan Processing
  • Mortgage Lending
  • Mortgage Loan Closing
  • Underwriting
  • Underwriting - Bank Loans
  • Underwriting - Mortgage
At a Glance
Enjoy these benefits
  • 401(k) Retirement Savings Plan
  • Flexible Spending Accounts
  • Health-Care Spending Accounts
  • Accidental Death and Dismemberment
  • Dental
  • And More ...