Loan Officer
Loan Officer Job 40 miles from Hillsboro
Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!! Description: · Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
· Uncapped commissions!
· Loan products for all borrower types!
· Add additional LO's to your team OR act as an individual LO!
· Licensed in 28 states and growing!
· Administrative, operational and compliance support provided by Corporate!
Successful Candidate Attributes:
· Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
· Maintains a database of past clients for marketing purposes.
· History of closing at least 3-5 units per month.
Loan Officer Requirements:
· An active NMLS/MLO license (required).
· Strong knowledge of lending regulations and industry best practices.
· Exceptional interpersonal and communication skills.
· Analytical mindset with the ability to assess complex financial information.
· Sales-oriented mindset with a commitment to achieving targets.
· Detail-oriented and organized.
· Proficient in relevant software and tools.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Loan Officer
Loan Officer Job 14 miles from Hillsboro
Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.
Position Summary
The Loan Officer plays an important role in the organization by performing a variety of activities directly related to the company's Production functions. The role is primarily responsible, under moderate supervision, for providing quality relations with borrowers through completing the origination processing of application, loan disclosure, review files for adherence to underwriting standards; ensuring completeness of submission to processing. Contacts borrowers to collect necessary documentation and act as a liaison between origination staff, underwriters and customers.
Essential Functions
* Obtain an accurate and thorough 1003.
* Collect supporting documentation from borrower:
* 30 day paystubs
* 2 years tax returns
* Last 2 years W2's
* Award letters, disability, trust income, etc.
* LOE for Gaps in jobs
* At initial contact with borrower provide needs list and complete application
* 2 months bank statements
* Obtain executed disclosures within regulations time frame.
* Obtain accurate AUS findings.
* Analyze credit report and financial scenario, determining appropriate loan product(s).
* Determine (price) a profitable loan and communicate fees to ops team.
* Submit a complete loan package to processing.
Note: Processing will not proceed without a complete loan file: Complete application, signed disclosures, at least 80% of what is required to obtain an UW approval.
* Lock in rate.
* Review CD to ensure fees and cash at closing are consistent with commitment to Customer:
* Issue Lender Credit if needed
* If loan out of balance, work with processor & branch manager to request subsidy
* Resolve file problems, bottlenecks and qualifying issues throughout production and underwriting process.
* Provide administrative support in the collection and preparation of submitting loan application with supporting documentation to processing.
* Coordinate, create, track and distribute marketing materials.
* Manage client and referral partner databases.
* Answer customer inquiries involving rates, products and loan application status to ensure quality customer service.
* Perform any other reasonable duties required by Guild Mortgage Company or Managing Loan Officer.
Qualifications
* High school diploma or equivalent required.
* At least two years of experience in Mortgage lending or related field.
* Active NMLS License.
* Ability to manage multiple priorities; strong detail orientation and highly organized.
* Works with a strong sense of urgency and responsiveness.
* Passionate about delivering excellence in customer service.
* Demonstrated patience and professionalism when interacting with both internal and external customers.
* Proficiency with data entry, PDF software programs, Microsoft Word, and Excel required.
* Strong verbal and written communication skills.
Supervision
* Intermittent to low supervision required, depending on experience
* Apply sound judgment in execution of core job responsibilities
* Travel: 0%
Requirements
* Physical: Work is primarily sedentary; mobility in an office setting.
* Manual Dexterity: Frequent use of computer keyboard and mouse.
* Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
* Environmental: Office environment - no substantial exposure to adverse environmental conditions.
Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
Mortgage Loan Officer / Home Loan Specialist - Bilingual
Loan Officer Job 15 miles from Hillsboro
Job Details Portland OR - Portland, OR Full Time SalesDescription
Why Churchill Mortgage? We provide our Loan Officers the systems and processes that allow them to close more loans, faster and with the highest customer service ratings. Our Operations Team truly takes ownership of the process; delivering an enjoyable and referable experience to every customer, every time no excuses. Our systems & processes allow you to spend more time originating, building relationships and generating new clients.
Our Commitment to You: We're here to help you close business, not put up roadblocks. As a team we all operate under the maxim of supporting you, in every way possible. You'll be instantly impressed at the level of service and attention you receive. In fact, many of our new hires tell us that they keep pinching themselves after 2-3 months. It's that good here.
We would like to talk with you if you love serving clients, are experienced, and have the heart of an educator. Looking for well qualified originators that focus on file quality.
Responsibilities
Educate customers on best financing solutions
Manage a large pipeline of loans
Originate and make sales of loan packages to customers, including meeting and counseling with customers at their homes and offices.
Engage in marketing, promotion and business development activities in support of sales, including calling on real estate agents and brokers, financial advisors and other potential referral sources.
Provide applicants with information regarding the loan application process.
Oversee all customer interactions and ensure a smooth transaction by interfacing with Realtors and Processors
Other duties may be applicable as business needs may dictate and as assigned by management.
Qualifications
Qualifications
Candidate must be fluent in English and Spanish and have excellent written & verbal communication skills in both languages
Dedicated to growing yourself and your skills
Active NMLS license
2+ years of self-gen mortgage origination experience required
Knowledge of basic loan programs and loan structuring needed for success
Desire to grow and be coachable with the best leadership in the industry
Must be able to pass a criminal history information background check. Other duties may be applicable as business needs may dictate and as assigned by management. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. If you are working from home, you must have access to reliable, high-speed internet (not satellite; Minimum of 25 Mbs download speed and 15 Mbs upload speed).
Benefits
Churchill Mortgage's generous benefits package is available to all full-time employees. This includes Medical, Dental, Vision, HSA, FSA, Life, Disability, Accident, Cancer, Critical Illness, 401(k) & ESOP (Employee Stock Ownership Program).
Employees Own the Company
Our ESOP was established by founder and president, Mike Hardwick, in 2013. It gives all current and future Churchill Mortgage employees ownership of the company in the form of company stock. Churchill Mortgage is the first privately-owned mortgage company to offer an Employee Stock Ownership Program (ESOP).
Churchill Mortgage Corporation is an Equal Opportunity Employer
Builder Loan Officer
Loan Officer Job 17 miles from Hillsboro
Job Details CLM Mortgage - Vancouver, Washington - Vancouver, WA Full TimeDescription
Are you ready to make a meaningful impact in the mortgage industry while working in a supportive and dynamic environment? At CLM Mortgage, we are dedicated to delivering exceptional lending and advisory services, ensuring our customers receive the highest possible value and a truly personalized experience. As our company continues to grow, we are looking for enthusiastic individuals who share our commitment to excellence and innovation to join our vibrant team. If you are passionate about making a positive impact, enjoy working in a collaborative setting, and strive for success, we encourage you to apply and become a part of our exciting journey!
Position Summary
As a Loan Officer, you will serve as a trusted advisor and liaison between applicants and our financial institution, guiding qualified borrowers through the loan process to secure financing solutions that meet their needs. You will be responsible for originating, evaluating, and processing loan applications while ensuring compliance with industry regulations and company policies. Your role includes meeting with potential borrowers, assessing financial eligibility, structuring loan options, preparing loan proposals, and managing active loans. Additionally, you will cultivate relationships with clients, real estate agents, and other referral partners to drive business growth and enhance customer satisfaction.
*CLM is the In-house lender for Holt Homes
Responsibilities And Duties
Meet with loan applicants to identify their needs and collect information for loan applications
Analyze active loan files on a regular basis and recommend solutions to speed up the loan process
Complete loan contracts and educate clients on policies and regulations
Interview applicants to define financial eligibility and established debt payment plans
Monitor and update account records
Submit loan applications in a timely manner
Prepare detailed loan proposals
Reject loan applications and explain deficiencies to applicants
Respond to applicants' questions and resolve any loan-related issues
Operate in compliance with laws and regulations
Qualifications
Qualifications
Solid understanding of local, state, and federal loan regulations
Proficient with standard software such as Microsoft Office
Effective interpersonal, verbal, and written communication skills
Maintain proper and professional etiquette and appearance.
Strong attention to details, high degree of accuracy and excellent organizational skills
Builder experience is preferred
Exemplary customer service skills
Bi-lingual with builder experience preferred
Minimum of 1-year experience as a loan officer preferred
College degree preferred
CLM Mortgage offers competitive benefits including healthcare coverage, 401k contributions, four weeks paid vacation, paid holidays, and more. CLM Mortgage is an equal opportunity employer and does not discriminate against applicants or employees. We welcome applications regardless of race, color, religion, gender, national origin, ancestry, age, marital status, sexual orientation, gender identity, veteran status, disability, or any other classification protected by law.
Branch Relationship Officer
Loan Officer Job 7 miles from Hillsboro
Base Salary Range:
$77,968.80 - $93,965.00 annual
At Heritage Bank, we work hard, but also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy!
As part of our team, you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. *pro-rated from start date and/or hours worked. To view Benefits Summary: Apply > Current Openings > position > attachment.
Position Overview
Heritage Bank has an exciting opportunity for a branch relationship officer at our Tanasbourne Branch in the Hillsboro/Beaverton, Oregon area. The branch relationship officer is responsible for the profitability, production goal achievement, and customer service and operational excellence of assigned branch by executing sales and business development activities, proactively partnering with the commercial team to support both new and existing deposit relationships, meeting operational objectives, managing employee development and engagement through coaching and performance management. This position also supports and participates in community involvement efforts and events.
Depending on location, this position is relied upon to manage a customer base with complex business and banking needs.
The successful candidate will be able to:
Co-leads and supports the sales and service activities in the banking center to ensure that established production goals for deposits, fee income, loan production, and other goals are met. Organizes and directs operational workflow to minimize risk and ensure efficient, effective procedures, practices, staff composition and scheduling.
Proactively develops, grows, and retains deposit and loan relationships, both independently and in partnership with commercial relationship managers. Responsible for small business and consumer loan activity. Actively supports business partners with the successful onboarding and ongoing servicing of deposit relationships. Works with staff to proactively meet customer needs in a responsive, efficient manner, across department lines.
Develops skills of staff through goal-setting, coaching, problem resolution, delegation, training, counseling, and performance management to include the development of sales and service skills as well as the achievement of business goals.
Supports commercial partners with sales and relationship expansion activities. Actively refers commercial loans. Provides operational support, onboarding support, client relationship tracking, processing paperwork, and assembling and summarizing information, as requested and/or required. Leads, participates, and demonstrates mastery of, work flow demands with proper use of internal technology.
Responsible for the accurate and timely completion of certifications, compliance, and reporting requirements. Ensures audit, security, and compliance issues and/or concerns are addressed and resolved in a timely manner. Monitors location security and ensures satisfactory appearance and condition of the banking center.
Actively leads and trains staff to ensure branch consistently adheres to all regulatory compliance standards, internal operational and credit controls and follows all operating policies and procedures.
Develops and maintains professional working relationships with all line of business partners to gain and deepen relationships and meet banking center goals and objectives.
Actively participates in commercial team's marketing and sales promotions; participates in market functions and community activities to promote the Bank's image and growth. Represents the Bank in the local community through event attendance, volunteerism, nonprofit board and committee work.
Ensures the customer experience is conducted in accordance with Heritage Bank Service Standards. Maintains an in-depth knowledge of the Bank's products and services. Leads the successful implementation of marketing and promotional programs in the banking center and rolling out new products, services, and programs.
Works collaboratively with management and Human Resources to recommend staffing levels and approve personnel actions such as hiring, terminations, promotions, transfers, timely performance reviews and salary increases, in accordance with legal and acceptable Bank personnel practices.
Maintains proficient knowledge of, and ensures bank activities are performed in compliance with, all state and federal banking laws and regulations applicable to areas of responsibility.
Ensures Bank activities are performed in compliance with the Bank's Policies and Standards, in partnership with Enterprise Risk Management and other internal banking partners.
Requirements:
High School diploma or equivalent - required. Associates degree or higher in Business, Accounting and/or Finance - preferred.
4+ years' recent experience in branch banking operations, sales and service, effectively managing a deposit and customer base, to include a minimum of 2 years in a supervisory / management role, demonstrating effective operational, relationship management and business development skills and demonstrated success in leading, coaching, and motivating a team required.
Thorough working knowledge of consumer lending and all consumer and commercial deposit products and services- required.
Thorough working knowledge of small business lending and Treasury Management products and services - preferred.
Equivalent combination of education, training, and experience may be considered.
Proven ability to provide professional, responsive customer service; with strong customer service delivery, sales, business development and relationship selling skills.
Strong listening, verbal, written, and telephone etiquette business communication skills, including effective questioning strategies and presentation skills; with the ability to read, write, speak, and understand English well.
Demonstrated ability to train employees in customer service, sales, operations, compliance and product knowledge.
Strong leadership and managerial skills are required to manage, motivate, and develop a team, and monitor workflow and schedules. Employee development, performance management, training and employee counseling skills are required.
Proven ability to develop and maintain open, professional, positive and productive relationships; demonstrate cooperative behavior with management, business partners, customers and co-workers, and work effectively as a team member.
Advanced knowledge of all branch job functions, paying/receiving, operations, branch certifications and in-depth working knowledge of all retail banking products and services, consumer and small business lending, account and legal documentation.
Strong understanding of debit/credit relationships and negotiable instruments; math skills to calculate interest, balance accounts and locate routine and non-routine mathematical errors.
Consistent sales and business development skills with the ability to identify customer needs and cross-sell the Bank's products and services with confidence.
Strategic approach to problem solving and decision-making, with demonstrated ability to quickly focus on key issues and independently make decisions under pressure of time constraints.
Strong analytical reasoning, attention to detail, organizational, data review and time management skills, with the ability to accurately manage multiple assignments, goals, reporting requests and staffing schedules, ensuring priorities are set and commitments and deadlines are met, with minimal direction and supervision.
Unquestionable integrity in handling sensitive and confidential information required.
Proficient PC experience using MS Office products (Word, Excel, Outlook) and working knowledge of financial services industry core processing and automated banking systems, i.e., Fiserv or equivalent, with the ability to learn and adapt to new technologies quickly.
This position may require National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008. Continued employment in this position with Heritage Bank is contingent upon successful registration and annual re-registration thereafter.
Working Environment/Conditions:
Climate controlled office environment.
Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions and frequent interruptions during the day.
Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work a flexible and/or rotating schedule and or extended hours, and assist at other locations or remotely, as needed.
May be exposed to potential risk and hazard - receives detailed instruction to minimize risk.
Physical Demands/Effort:
Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day.
Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion.
Ability to stand or sit for extended periods of time and duration of shift. Ability to occasionally kneel, reach, bend, push, pull and carry.
Occasional lifting to independently move and/or push cart to transport money and coin, 25-50 lbs.
Travel Time:
May travel for business development and customer meetings; willingness to travel to other branch locations when needed; valid driver's license, proof of insurance, and access to reliable transportation; or the ability to access and utilize an alternative method of transportation, when needed, to carry out job-related essential functions.
The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position.
Heritage Bank is an Equal Opportunity Employer
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status, disability, or any other basis protected by applicable law.
Job applicants have certain legal rights. Please click here for information regarding these rights.
If you need assistance completing the online application, please email: *******************************
Salary Range Disclaimer
The base salary range represents the min, mid and max of Heritage Bank's salary range for this position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance. The range listed is just one component of Heritage Bank's total compensation package for full time and part time employees. Depending on position, other total compensation rewards may include, monthly, quarterly or annual incentive, and/or bonuses.
##JobCategory:Retail Banking##
##Street:9515 NE Windsor St##
##City:Beaverton##
##State:OR##
##ZipCode:97006##
##Internal:false##
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Loan Officer - Builder Channel Specialist
Loan Officer Job 15 miles from Hillsboro
Job Title: Loan Officer - Builder Channel Specialist
Company: New Home Mortgage (Powered by Rocket Pro + New Home Star)
Job Type: Full-Time
Industry: Mortgage Lending / Homebuilding / Financial Services
🚀 Tech-Driven. Builder-Fueled. Ready to Scale.
New Home Star-America's #1 private seller of new homes-has partnered with Rocket Pro, the nation's most recognized lending platform, to launch New Home Mortgage.
This isn't just another lending company-it's a bold move to redefine how new homes are financed.
With exclusive access to top builders nationwide and Rocket Pro's cutting-edge tech, we're delivering speed, trust, and volume at a scale the industry hasn't seen before. As a Loan Officer, you'll hold the competitive edge others can't touch.
This is your once-in-a-career shot to join a category-defining company at the ground floor.
We're hiring now-and we're being highly selective.
Send your resume confidentially and let's talk.
💼 What You'll Do-and Why It Matters
As a Loan Officer - Builder Channel Specialist, you won't just originate-you'll own relationships at the center of America's fastest-growing homebuilding markets.
You'll work directly with first-class builders, supporting a steady stream of serious buyers backed by real contracts and real urgency. This is purchase-driven, volume-rich lending at the speed of Rocket Pro's tech stack-no cold leads, no call center grind.
Here's what makes this role a career-defining opportunity:
Exclusive Builder Access - Partner with elite builders delivering consistent, high-quality deal flow.
Rocket-Powered Tech - Leverage best-in-class tools, turn times, and fulfillment to move with speed and precision.
Real Volume. Real Buyers. - You'll be embedded in active communities where buyers are ready and pipelines are full.
National Expansion - We're scaling fast across the country-you'll be part of building the blueprint.
Serious Growth, Serious Impact - Help shape a disruptive company, drive results, and grow your income and influence.
This isn't just another LO gig-it's your chance to lead from the front in a platform built to win.
🎯 What We're Looking For
Licensed Loan Officer in the state of Oregon with a passion for purchase; multi-state licensing is a plus as we continue national expansion
Builder lending experience is strongly preferred
Experience working with new home sales associates and real estate agents
Strong creative and builder financing skills-the ability to craft smart solutions that close
Experience managing large backlogs and navigating high-volume, fast-moving pipelines
Excellent customer service instincts with a relentless focus on speed and satisfaction
Confidence, urgency, and elite-level communication
Proven problem-solvers who thrive in dynamic environments
Ability to travel quarterly (or more) to meet in person with sales teams and clients
💰 What You'll Earn
Consistent builder volume that keeps your pipeline full and deals flowing
A competitive commission plan designed to scale with your production
Robust benefits package including health, dental, and vision coverage, a 401(k) with company match, generous PTO, and additional perks.
Take the Next Step!
Apply now at ***************************
Affiliated Company Disclosure
This position is with New Home Mortgage, LLC, a separate legal entity with an affiliated business arrangement with New Home Star through ownership or financial interest. Although this job is being advertised on New Home Star's recruiting platform and channels, employment will be directly with New Home Mortgage, LLC. All employment terms, policies, benefits, and hiring decisions are solely managed by New Home Mortgage.
New Home Mortgage is an equal opportunity employer. Reasonable accommodations will be considered in accordance with applicable law. Applicants must be legally authorized to work in the U.S. at the time of application. Visa sponsorship is not available for this position. Employment is contingent upon a background check conducted in compliance with applicable federal, state, and local laws.
Mortgage Loan Officer
Loan Officer Job 35 miles from Hillsboro
div name="main"div class="cl HeadSecondary"h2Job Details/h2/divdiv aria-label="Job Details" class="row" name="local_row"div class="col-md-6 local-tax-col local-ee" id="job DetailsLeftColumn" name="local_left"div class="row form RowStandard" id="Job Location-row" div class="form Line"div aria-label="Job Location" name="Job Location"span aria-label="Job Location" class="" name="level"Silverton Retail Branch - Silverton, OR/span/div/div/div/divdiv class="col-md-6 local-tax-col local-client" name="local_right"/div/divdiv class="cl HeadSecondary"h2Description/h2/divdiv aria-label="Description" class="row" name="description" style="word-wrap: break-word;"div class="row form RowStandard" id="job Desc-row" div class="form Line"span class="fb Text ignore-global-css" name="job Desc"pstrong /strong The Loan Officer is responsible for discussing clients needs, recommending the best loan products, helping customers put together a complete loan package and working with the underwriting team throughout the loan process./p
pstrong Key Responsibilities and Accountabilities: /strong/p
ul
li
pDevelop and maintain knowledge of loan products, policies, procedures and underwriting requirements./p
/li
li
pCollect and analyze customers financial and credit information to determine mortgage financing options./p
/li
li
pCompletes a quality loan application using Encompass, securing a locked interest rate as quoted to the client, ensuring the borrower qualifies for the loan program, collecting all supporting documentation, and handling any problems that arise during processing that may jeopardize the loan approval./p
/li
/ul
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pDeliver an extraordinary client experience by listening first and staying in complete and honest communication with clients both verbally and through written or electronic means./p
/li
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pReview active loan files each day to determine if any documents are missing or what can be done to help the process move along./p
/li
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pDevelop and grow successful relationships with business referral sources and generate leads to gain new clients./p
/li
li
pMaintain NMLS registration and eligibility./p
/li
li
pAdheres to the minimum required production standards as communicated by mortgage management./p
/li
/ul
ul
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pFollow industry news and information, be involved in the community and represent the bank in a professional manner./p
/li
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pAttend company sales meetings, trainings and bank sponsored events./p
/li
li
pMaintain confidentiality and discretion over sensitive information./p
/li
li
pComply with and follow all applicable policies and procedures as well as governing laws and regulations. This includes but is not limited to: performing all assigned duties under the WVBK compliance programs and related laws and regulations. Successfully completing all mandatory compliance training as assigned in a timely manner./p
/li
/ul
pstrong Knowledge, Skills and Abilities: /strong/p
ul
li
pKnowledge of principles and methods for showing, promoting, and selling products or services including marketing strategy, sales techniques, and lead generation skills./p
/li
li
pStrong knowledge of mortgage industry policies and procedures./p
/li
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pStrong organizational and time management skills./p
/li
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pAbility to pay close attention to detail./p
/li
/ul
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pAbility to build and maintain positive and effective relationships with others./p
/li
li
pAptitude for self-development and learning./p
/li
li
pAbility to analyze and comprehend financial data and to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages./p
/li
li
pAbility to apply concepts such as fractions, percentages, ratios, and proportions to practical situations./p
/li
li
pAbility to define problems, collect data, establish facts, and draw valid conclusions./p
/li
/ul
ul
li
pIntermediate computer skills including: word processing, spreadsheet programs, mortgage systems software, internet and database management programs./p
/li
li
pAbility to gather data from multiple sources, test assumptions, evaluate alternatives and make recommendations./p
/li
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pAbility to adapt well to change with the willingness to maintain a flexible schedule./p
/li
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pAbility to work within a structure, take direction and be a strong team player./p
/li
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pAbility to read, analyze, and interpret general business information and government regulations./p
/li
/ul
ul
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pAbility to communicate clearly and effectively verbally and in writing./p
/li
/ul
pstrong Education and Experience: /strong/p
ul
li
p2 Years of experience working in finance, banking or mortgage lending/p
/li
li
pAssociates Degree in business or related field or equivalent combination of education and experience/p
/li
/ul
pstrong Mental and Physical Effort:/strong Decision making normally involves the ability to apply rules, regulations, policies and procedures to the work. Guidance and direction may be available./p
pLifting equipment or files of 1-10 pounds on a regular basis, lifting equipment or boxes of 10-25 pounds on an occasion. Sits or stands for long periods of time working at a computer and typing. Uses hands to handle controls or feel objects, tools or controls. Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media./p
pstrong Working Conditions:/strong Works in a customer facing position in an office environment with minimal workplace hazards and low to moderate levels of noise. May deal with customers or visitors to the workplace who may be upset or pose challenges. Works during the day and during the week, some positions may require working on weekends. Occasional travel to other work sites, conferences, training or meetings may be required./p
pA Mortgage Loan Consultant with Willamette Valley Bank must be highly ethical and have respect for our clients and our brand. Continually and proactively identifies, develops and maintains a quality network of business relationships that serves as a recurring of referrals for new mortgage lending opportunities. Mortgage Loan Consultants ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements./p
/span/div/div/divdiv aria-label="" class="row" name="qualifications" style="word-wrap: break-word;"div class="row form RowStandard" id="job Qualifications-row" div class="form Line"span class="fb Text ignore-global-css" name="job Qualifications"/span/div/div/div/div
Loan Officer
Loan Officer Job 40 miles from Hillsboro
Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.
Position Summary
The Loan Officer plays an important role in the organization by performing a variety of activities directly related to the company's Production functions. The role is primarily responsible, under moderate supervision, for providing quality relations with borrowers through completing the origination processing of application, loan disclosure, review files for adherence to underwriting standards; ensuring completeness of submission to processing. Contacts borrowers to collect necessary documentation and act as a liaison between origination staff, underwriters and customers.
Essential Functions
Obtain an accurate and thorough 1003.
Collect supporting documentation from borrower:
30 day paystubs
2 years tax returns
Last 2 years W2's
Award letters, disability, trust income, etc.
LOE for Gaps in jobs
At initial contact with borrower provide needs list and complete application
2 months bank statements
Obtain executed disclosures within regulations time frame.
Obtain accurate AUS findings.
Analyze credit report and financial scenario, determining appropriate loan product(s).
Determine (price) a profitable loan and communicate fees to ops team.
Submit a complete loan package to processing.
Note: Processing will not proceed without a complete loan file: Complete application, signed disclosures, at least 80% of what is required to obtain an UW approval.
Lock in rate.
Review CD to ensure fees and cash at closing are consistent with commitment to Customer:
Issue Lender Credit if needed
If loan out of balance, work with processor & branch manager to request subsidy
Resolve file problems, bottlenecks and qualifying issues throughout production and underwriting process.
Provide administrative support in the collection and preparation of submitting loan application with supporting documentation to processing.
Coordinate, create, track and distribute marketing materials.
Manage client and referral partner databases.
Answer customer inquiries involving rates, products and loan application status to ensure quality customer service.
Perform any other reasonable duties required by Guild Mortgage Company or Managing Loan Officer.
Qualifications
High school diploma or equivalent required.
At least two years of experience in Mortgage lending or related field.
Active NMLS License.
Ability to manage multiple priorities; strong detail orientation and highly organized.
Works with a strong sense of urgency and responsiveness.
Passionate about delivering excellence in customer service.
Demonstrated patience and professionalism when interacting with both internal and external customers.
Proficiency with data entry, PDF software programs, Microsoft Word, and Excel required.
Strong verbal and written communication skills.
Supervision
Intermittent to low supervision required, depending on experience
Apply sound judgment in execution of core job responsibilities
Travel: 0%
Requirements
Physical: Work is primarily sedentary; mobility in an office setting.
Manual Dexterity: Frequent use of computer keyboard and mouse.
Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
Environmental: Office environment - no substantial exposure to adverse environmental conditions.
Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
Loan Officer
Loan Officer Job 15 miles from Hillsboro
Mortgage Trust is seeking Loan Officers!
We exist to empower our employees, clients, and referral partners to build wealth. Does that resonate with you?
Us
We employ people who can contribute, grow, think, dream, create, and maintain a positive attitude.
We provide excellence to our clients - with respect, transparency, equity, and honesty.
We are more than “just another mortgage company.” The conversations we have and the resources we use with our clients revolve around their holistic financial lives.
We consistently evaluate and improve every aspect of our business.
We care about each other and have each other's backs.
We work hard, play hard, and give back to our community.
You
Are you driven, motivated, competitive, hungry, and humble?
Do you focus on referrals only - realtors, financial professionals, past clients, etc.?
Do you close $2M+ per month in a normal environment?
Are you a team player - willing to collaborate with other loan officers?
Do you believe in a wealth-building philosophy, of which mortgages are an essential tool?
Why Mortgage Trust
We assure our Loan Officers (LOs) are focused on their highest and best use: cultivating client relationships, qualifying borrowers, and finding optimal loan solutions. Therefore, our LOs spend very, very little time on any administrative or processing duties. Setting up files, obtaining documentation, and chasing down conditions - as well as all primary communications with everyone involved in a transaction - are handled by assistants and processors. We feel so strongly about this model we're willing to pay for it:
After 1 quarter of 15 closed loans, MTI will pay $37,500/year toward an assistant (plus their benefits)
After 2 consecutive quarters of 20 closed loans, MTI will pay $75,000/year toward an assistant (plus their benefits)
Additionally, after 2 consecutive quarters of 30 closed loans, MTI will pay for an LO-dedicated processor
We are small, local, and nimble. We've worked for large, national mortgage companies, and… well, let's just say that's not our cup of tea. We were very small cogs in a very large machine, and that became more and more frustrating to us over time.
Interest rates matter. We don't need to get into the minutiae of why independent mortgage banks (Fairway, Guild, Academy, Caliber, etc.) have higher-than-market rates, but they all do. We've done multiple interest rate searches of most of the big banks and local credit unions over the past few months. Mortgage Trust's rates are lower than all of them. By cutting out a lot of fat that comes with a large company, we're able to offer very low rates. While we don't think rates should be the primary factor in determining which mortgage lender to use, they are obviously a big piece of the puzzle. We're happy to know that we're now as competitive as any lender out there.
Mortgage Trust offers our loan officers:
Commission based on 1.2% of your funded loan amounts
Health insurance starting on the first of the month following your start date. This includes medical and vision through Regence Blue Cross Blue Shield and dental through Moda (Delta Dental or Willamette Dental). We pay 100% of the employee premium for the base plan (there are three plan levels available). Alternative plans and/or dependent coverage is available as a pre-tax employee expense.
Two Flexible Spending Accounts (FSA) are also available starting on the first of the month following start date. Employees are able to deduct pre-tax money for out-of-pocket medical expenses and dependent care costs. Limited rollover of FSA funds from one plan year to another is available.
At Mortgage Trust, we value all employees and job candidates as unique individuals, and we welcome the variety of experiences they bring to our company. We believe everyone should be treated equally regardless of race, sex, gender identification, sexual orientation, national origin, native language, religion, age, disability, marital status, citizenship, genetic information, pregnancy, or any other characteristic protected by law.
Loan Officer Outside Sales
Loan Officer Job 17 miles from Hillsboro
- Responsibilities/Duties/Functions/Tasks
The main function of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts.
Originates their own sales by contacting prospective clients,
· Develops and maintains referral sources,
· Spends at least one or two hours a day, two or more times a week outside of the office (including a home office), originating loans,
· Meets with prospective clients at locations other than PRMI's offices, e.g., client's home or other locations,
· Meets with clients in person to sell mortgage loan products/packages,
· Contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts,
· Obtains credit information and necessary documentation for application process,
· In-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads,
· Engages in marketing and promotional activities in support of their own sales,
· Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.
· Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs
· Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines
· Analyzes and exercises independent judgment and discretion in advancing PRMI's business objectives and the interests of PRMI's customers regarding significant financial decisions
· Carries out major assignments affecting business operations of the employer or the employer's customers through:
collecting and analyzing information regarding the customer's income, assets, investments, or debts
analyzing applicant data, credit and collateral property value
determining which financial products best meet the customer's needs and financial circumstances
providing advice to the customer regarding the advantages and disadvantages of available financial products
marketing, servicing, or promoting the employer's financial products
· Completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries
· Provides origination services in the state of licensure
· Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities
· Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings
Qualifications
· Sales experience in the mortgage industry is preferred
· Familiarity with mortgage processes, procedures, rules, regulations, and compliance
· Exceptional customer service skills with a strong attention to detail
· Excellent written and verbal communication skills
· Strong computer skills to include a working knowledge of MS Office
· Ability to comprehend and analyze financial information
· Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
· Established contact and referral list within the real estate and mortgage industries preferred
· Ability to pass a required background check
Company Conformance Statement
In the performance of assigned tasks and duties all employees are expected to conform to the following:
Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines.
Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities.
Contribute to establishing a respectful workplace where diversity is critical to innovation and growth.
Ensure every action and decision is aligned with PRMI values.
Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at PRMI.
Realize team synergies through networking and partnerships across PRMI.
Embrace change; act as advocate and role model, promoting an approach of continuous improvement.
Maintain a high standard of customer care while actively listening to customers in an effort to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of PRMI competencies in providing solutions.
Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.
Work effectively as a team contributor on all assignments.
Perform quality work within deadlines.
Respect client and employee privacy.
Maintain eligibility for FLSA classification as Outside Sales Exempt, and complete the bi-annual certification process
Work Requirements
Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. Employment with PRMI requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as PRMI policies. The ability to work extended hours may be required.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.
Mortgage Loan Officer - Retail
Loan Officer Job 40 miles from Hillsboro
*EXTERNAL LOAN OFFICER- MORTGAGE BANKING* WHAT IS THE OPPORTUNITY? The external mortgage loan officer is responsible for originating residential mortgage loans by developing business relationships with real estate professionals, builders and other potential referral sources this role involves working outside of the office to generate leads and establish a network of clients the loan officer will guide clients through the mortgage application process ensuring they find the best loan products to meet their financial needs. Conduct client/prospect needs analysis and develop proposed solutions/sales presentations to meet their needs. Maintain current knowledge of all first mortgage and concurrent second loan products and services offered.Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.
WHAT WILL YOU DO?
* Proactively identify and engage potential borrowers through networking referrals and community involvement
* Establish and maintain relationships with real estate agents, builders, financial planners, and other key referral sources.
* Uses proactive, consultative sales skills and strategies to identify client needs, quantify service / product benefits and present recommendations to targeted clients and prospects as assigned.
* Conduct regular market visits and meetings with referral partners to build a strong referral base and ongoing sustainable business relationships
* Attend industry events, open houses, and community events to generate new business opportunities.
* Consult with potential borrowers to assess their financial situation and mortgage needs. Educate clients on the available mortgage products, interest rates, terms, and cost associated with obtaining a mortgage.
* May identify business opportunities and solicit referrals of other Bank products or services from existing clients, referral sources and other professionals in the industry.
* Assist clients in completing mortgage loan applications and the gathering of necessary documentation for the fulfillment and completion of the loan cycle. Communicate periodic updates to all parties in the transaction with specific regard to the customer experience.
* Ensure that all mortgage loan applications and documentation comply with Federal, State, and CNB regulations. Keep accurate and organized records of all client interactions and loan applications.
* Negotiates transactions; prices loan products within targeted rate of return; coordinates the documentation and closing of loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgment in recommending loans for approval.
* May coordinate the cross-selling of other product and/or services (i.e., cash management, foreign exchange, investment and trust, etc.). May interface with other Bank departments as necessary to define responsibilities and coordinate objectives for all product areas.
* Obtains and completes mortgage loan application packages, including supporting documentation required to process loan requests; reviews information to ensure that files submitted meet regulatory agency and CNB policies; forwards application packages to Residential Lending within specified times in order to meet regulatory requirements for initial disclosures and timely processing as required under Regulation B and RESPA.
* Contacts borrowers directly for additional information related to loan requests, summarizes information and exercises sound credit and risk judgment in recommending transactions for approval.
* Maintains a solid understanding of the Bank's credit products, programs policies and procedures.
* Participates in the development of marketing strategies and sales objectives that are consistent with overall company objectives. Maintains an awareness of consumer market conditions and provides current information on industry trends and competitive practices that may be used in the development and/or delivery of mortgage loan products.
* Effectively manages a pipeline of loans on a daily basis.
* Represents CNB by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.
* Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g., Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).
* Performs other duties as assigned or requested.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* H.S. Diploma
* Minimum of 3 years mortgage lending experience
* Minimum of 3 years business development/direct sales experience required.
* Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.
*Additional Qualifications*
* Bachelor's degree highly preferred
* Excellent communication skills both written and verbal
* Proficient in Microsoft Office programs
* Excellent customer service skills
* Prioritizes and plans work activities
* Completes work in timely manner; Strives to increase productivity; Works quickly
* Ability to work well under pressure
* Strong research and analytical skills
* Ability to use discretion when handling sensitive personal information.
* Ability to multi-task and manage deadlines
*WHAT'S IN IT FOR YOU?*
*Compensation*
Starting base salary: $50,000 - $60,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our *********************************
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at **********************************
*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Commercial Loan Officer
Loan Officer Job 23 miles from Hillsboro
Benefits Citizens Bank offers competitive compensation and outstanding benefits: * Medical, Dental, and Vision Insurance * 401(k) with Employer Matching * Employee Assistance and Wellness Program * Life, Short-term and Long-term Disability * Up to 11 Paid Holidays
* Health and Dependent Care Reimbursement Accounts
* Paid Time Off; Paid Family Leave
* Banking Privileges
Position Title: Commercial Loan Officer
Position Location
Citizens Bank - McMinnville Branch
Type: Exempt/Officer
Reports to: Branch Manager
Description
Commercial Loan Officers provide a full range of commercial banking services, including developing new business and client relationships; producing a variety of commercial loans; generating and managing a portfolio of business and corresponding relationships; as well as coordinating the delivery of bank products and services to clientele while serving as a trusted advisor. This position will also have responsibility for underwriting, structuring, and closing commercial loans that meet established lending requirements and maximizes profitability to the Bank with minimal risk.
Duties and Responsibilities
* Establish and service a sound loan portfolio by cultivating new and expanding existing business by building solid, profitable relationships with clients/prospects characterized by mutual respect, understanding and trust.
* Proactively leverage ideas, insights, and relationships to generate new and incremental loan and deposit business; utilizes existing client/prospects and network of referral sources as means of improving client acquisition and retention.
* Evaluate the overall resources and capabilities of the client/prospect's business, considering current industry dynamic, financial and operational strategy, economic conditions and market trends.
* Analyze client/prospect needs, and recommends appropriate solutions that match those needs, consistent with the Bank's credit culture, and maximizes profitability and shareholder value.
* Analyze and screen loan requests. Negotiate terms/conditions, structure loan financing based on risk considerations consistent with Bank policy and guidelines; approve loans within assigned lending limits; and/or prepare/ present credits outside lending limits for approval to appropriate levels of authority, as required.
* Foster and maintain cohesive partnerships and working relationships with all departments within the Bank to build a trusted and productive environment.
* Effectively evaluate and manage each client relationship and transaction for financial and credit risk and potential loss to the Bank, ensuring adequate safeguards and monitoring of accounts. Ensures collateral, routinely reviews cash-flow, and ensures standards and loan terms are met on an ongoing basis.
* Ensure timely and thorough monitoring of all credits through periodic reviews, continued analysis, proper credit quality grading, and proper documentation. Maintains ongoing contact with client to be kept current on significant changes in financial condition or operations. Remedy loan deficiencies where appropriate, including loans out of compliance with borrower's loan agreement, or out of formula with borrowing base.
* Prepare and present all required and requested loan reports in a timely manner.
* Monitor the performance of the borrower over the life of the loan. Able to recognize developing problems and bringing them to the attention of management. For troubled credits, assist in developing a strategy to return the credit to a pass rating or exit strategy.
* Comply with government regulations by maintaining an up-to-date knowledge of commercial law, UCC, and banking regulations/policy to assure conformity with required laws and terms.
* Maintain an awareness of competitive products, practices, rates and changes in the local market.
* Represent the Bank in the local community through proactive participation in community, charitable, business and social activities to allow for maximum client and customer contact.
* Other duties as assigned.
Qualifications
Qualifications
* High School Diploma or equivalent - required. Bachelor's degree in Business Administration, Finance, Economics, Marketing or relevant discipline - preferred. Equivalent combination of education and relevant experience may be considered.
* Demonstrated ability to deliver exceptional customer service and maintain client relationships, both internally and externally.
* Customer-centric mindset, with the ability to translate customer issues/needs into profitable business solutions.
* Networking and relationship building skills, with demonstrated expertise and success in business development and sales processes and strategies.
* Effective listening, verbal, written, and telephone etiquette business communication skills, including effective questioning strategies and presentation skills; ability to read, write, speak and understand English well.
* Strong problem solving and decision-making skills, with demonstrated ability to quickly focus on key issues, make decisions under pressure of time constraints and translate business development challenges into opportunities.
* Ability to identify recurring and non-recurring sources of cash flow and guarantors' ability to service debt.
* Business and financial analysis and modeling skills, with understanding of financial accounting, income statements, balance sheets, etc., requiring the ability to gather, analyze and prepare reports.
* Working knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents.
* Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently.
* An ability to analyze and synthesize information accurately and effectively, multi-task and decide key priorities with confidence, motivation, decisiveness, flexibility, and sound business judgment.
* Understanding of the Bank's credit underwriting policies and approval process for assigned loans.
* Ability to handle and deal with sensitive and confidential matters in an efficient manner.
* Proficient PC experience using MS Office products (Word, Excel, Outlook) and retrieval of data; working knowledge of automated financial systems, with the ability to learn and adapt to new technologies quickly.
Working Conditions
* Climate controlled office environment.
* May be exposed to outside climate conditions and/or required to wear protective devises during site and property visits/inspections.
* Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions, and frequent employee and customer contacts and interruptions during the day.
* Work requires willingness to work a flexible schedule which may require evening work.
Physical Requirements
* Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day.
* Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner, facsimile, which often requires dexterity of hands and fingers with repetitive wrist and hand motion.
* Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, climbing, kneeling or crouching to file materials and/or site/property inspections.
* Occasional lifting 10 - 20 lbs. (files, boxes).
* Travel Time: Varies - 50%; Willingness to travel to other branch, customer, business locations, and meeting sites, which may include overnight travel and extended stay availability when needed; valid driver's license, clean driving record, proof of insurance, and access to reliable transportation to carry out job-related essential functions.
Disclaimer
Citizens Bank is an Equal Opportunity and Affirmative Action employer and is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, pregnancy, national origin, age, sexual orientation, gender identity, military or veteran status, or disability. All offers are contingent upon the candidate successfully passing a credit check and a criminal background check.
Lending. Banking. Commercial lending. commercial loan officer. business development.
External Mortgage Loan Officer
Loan Officer Job 16 miles from Hillsboro
Job Details Wilsonville Branch - Wilsonville, OR Hybrid Full Time High School Diploma Frequent, in-state travel within region Business hours, Mon - FriDescription With a strong reputation of integrity, unsurpassed service, and member focus, Oregon State Credit Union is one of the most respected credit unions in the Northwest. We are committed to our vision of creating financial solutions that make lives better and are looking for an experienced External Mortgage Loan Officer to join our team as we expand into a new geography! The External Mortgage Loan Officer (EMLO), will play a critical role in helping to establish and expand the Credit Union's brand throughout Clackamas County and the surrounding Portland metro area. Acting as the face of the Credit Union in their assigned territory, the EMLO is responsible for attracting and cultivating new mortgage loan originations by building strong relationships within the community, and leveraging their business development skills. The ideal candidate is a seasoned mortgage professional who is eager to grow their book of business and career; is well connected in the local real estate community and is passionate about helping members and prospective business partners achieve their goals. This position is considered a Mortgage Loan Originator (MLO) as defined by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act). The law requires MLO to be registered in the Nationwide Mortgage Licensing System and Registry (NMLSR). What you will need to be successful:
Business Development: Proven experience and track record in identifying, developing and maintaining prospective business relationships to establish recurring sources of referrals and ensure a quality pipeline of mortgage originations. Strong ability to identify and analyze potential loan markets and stay current on industry trends.
Lending Expertise: Demonstrated knowledge and expertise of real estate lending, including lending programs, policies, secondary market and regulatory compliance requirements. Proven ability to conduct interviews with prospective borrowers, perform credit and financial analysis and oversee the application process, ensuring a high level of accuracy and that member needs are met.
Communication Skills: Excellent written and verbal communication skills with the ability to educate members on the process and available products and services, all while ensuring exceptional member services throughout. Showcases strong diplomacy and ability to build and maintain relationships.
Experience & Education: At least three years of real estate lending and loan origination experience required. Secondary market investor underwriting and guideline experience preferred. Three years of experience in field sales where lead generation is the prime source of business is highly preferred. High school diploma or GED equivalent required.
Ways we'll appreciate you:
A positive atmosphere
A 3,000 monthly base salary in addition to the generous commission structure!
Paid holidays and paid time off
100% credit union paid employee coverage for medical, vision, dental, life and disability insurance; dependent coverage also available
401k Plan with a generous credit union match
Tax-saving Flexible Spending and Health Savings Plans
Premier membership perks, company clothing, wellness and recognition programs
Laptop and cellphone provided
Since it began in 1954, Oregon State Credit Union has been a member-owned, not-for-profit financial services institution. We exist for the benefit of our member-owners, and not to profit from them. That's what makes us different from banks and how we're able to create financial solutions that make lives better. Location: Work from home or area credit union branches as needed Work type: Full-Time, Remote, Exempt Compensation: $36,000/year base salary with monthly commissions + bonus Oregon State Credit Union is an equal opportunity employer, including veterans and individuals with disabilities.
The information above provides the general nature of work performed in this position and outlines primary qualifications. The successful candidate must be able to demonstrate that they have the legal right to work in the US and pass a background screening to the satisfaction of Oregon State Credit Union.
#LI-Hybrid
#LI-HR1
Mortage Loan Officer - Farmington
Loan Officer Job 4 miles from Hillsboro
The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. The MLO is expected to develop referrals as a means to grow Key's home lending business and client base. The MLO is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality.
Responsibilities
Prospects home lending business to build and develop new client loan originations and relationships and new originations. This can include developing internal referral relationships as well as developing external centers of influence to refer home lending opportunity
Originate and process 1-4 family residential real estate mortgage transactions in accordance with Home Lending process and product guidelines
Responsible for gathering documents at the time of registering a loan and is expected to remain, the primary point of contact for the client during the duration of the loan process
This person is to maintain high standards of client satisfaction and quality, ensure sales/originator systems and workflows are efficiently controlled.
Develops and maintains in-depth knowledge of products and services as well as knowledge of competitors and competitive products while serving as the subject matter expert within the market
Maintains proficiency on sales/originator systems and develop and maintain efficient workflows
Keeps informed of trends and developments in the real estate market and mortgage industry
Ability to foster internal and external relationships.
Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice
Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key's clients and Key.
Education Qualifications
Bachelor's Degree Business related field or equivalent experience (preferred)
Experience Qualifications
3+ years Experience as a loan officer in 1st mortgage production (preferred)
3+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)
Tactical Skills
Excellent communication skills both written and verbal
Demonstrated strong customer service skills
Proficient in sales and service skills; including tele-consulting, prospecting, networking and COI relationship management.
Strong financial acumen
Personal Skills
Emotional Intelligence: Describes the concepts and underlying tenets of emotional intelligence (EI) as a skill and cites examples as to the impact of EI on business results
Practical Skills
Business Acumen: Works to understand the business priorities of internal and external clients and can describe relevant profitability drivers and considerations
Oral & Written Communication: Develops a clear, complete understanding of needs and problems through careful listening, probing, reflecting, and summarizing; conducts discussions that are sincere and fully expressed
Core Competencies
All KeyBank employees are expected to demonstrate Key's Values and sustain proficiency in identified Leadership Competencies.
Physical Demands
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Driving Requirements
May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.
Job Posting Expiration Date: 07/11/2025 KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.
Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_**********************.
Branch Relationship Officer
Loan Officer Job 7 miles from Hillsboro
Base Salary Range: $77,968.80 - $93,965.00 annual At Heritage Bank, we work hard, but also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy! As part of our team, you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. *pro-rated from start date and/or hours worked. To view Benefits Summary: Apply > Current Openings > position > attachment.
Position Overview
Heritage Bank has an exciting opportunity for a branch relationship officer at our Tanasbourne Branch in the Hillsboro/Beaverton, Oregon area. The branch relationship officer is responsible for the profitability, production goal achievement, and customer service and operational excellence of assigned branch by executing sales and business development activities, proactively partnering with the commercial team to support both new and existing deposit relationships, meeting operational objectives, managing employee development and engagement through coaching and performance management. This position also supports and participates in community involvement efforts and events.
Depending on location, this position is relied upon to manage a customer base with complex business and banking needs.
The successful candidate will be able to:
* Co-leads and supports the sales and service activities in the banking center to ensure that established production goals for deposits, fee income, loan production, and other goals are met. Organizes and directs operational workflow to minimize risk and ensure efficient, effective procedures, practices, staff composition and scheduling.
* Proactively develops, grows, and retains deposit and loan relationships, both independently and in partnership with commercial relationship managers. Responsible for small business and consumer loan activity. Actively supports business partners with the successful onboarding and ongoing servicing of deposit relationships. Works with staff to proactively meet customer needs in a responsive, efficient manner, across department lines.
* Develops skills of staff through goal-setting, coaching, problem resolution, delegation, training, counseling, and performance management to include the development of sales and service skills as well as the achievement of business goals.
* Supports commercial partners with sales and relationship expansion activities. Actively refers commercial loans. Provides operational support, onboarding support, client relationship tracking, processing paperwork, and assembling and summarizing information, as requested and/or required. Leads, participates, and demonstrates mastery of, work flow demands with proper use of internal technology.
* Responsible for the accurate and timely completion of certifications, compliance, and reporting requirements. Ensures audit, security, and compliance issues and/or concerns are addressed and resolved in a timely manner. Monitors location security and ensures satisfactory appearance and condition of the banking center.
* Actively leads and trains staff to ensure branch consistently adheres to all regulatory compliance standards, internal operational and credit controls and follows all operating policies and procedures.
* Develops and maintains professional working relationships with all line of business partners to gain and deepen relationships and meet banking center goals and objectives.
* Actively participates in commercial team's marketing and sales promotions; participates in market functions and community activities to promote the Bank's image and growth. Represents the Bank in the local community through event attendance, volunteerism, nonprofit board and committee work.
* Ensures the customer experience is conducted in accordance with Heritage Bank Service Standards. Maintains an in-depth knowledge of the Bank's products and services. Leads the successful implementation of marketing and promotional programs in the banking center and rolling out new products, services, and programs.
* Works collaboratively with management and Human Resources to recommend staffing levels and approve personnel actions such as hiring, terminations, promotions, transfers, timely performance reviews and salary increases, in accordance with legal and acceptable Bank personnel practices.
* Maintains proficient knowledge of, and ensures bank activities are performed in compliance with, all state and federal banking laws and regulations applicable to areas of responsibility.
* Ensures Bank activities are performed in compliance with the Bank's Policies and Standards, in partnership with Enterprise Risk Management and other internal banking partners.
Requirements:
* High School diploma or equivalent - required. Associates degree or higher in Business, Accounting and/or Finance - preferred.
* 4+ years' recent experience in branch banking operations, sales and service, effectively managing a deposit and customer base, to include a minimum of 2 years in a supervisory / management role, demonstrating effective operational, relationship management and business development skills and demonstrated success in leading, coaching, and motivating a team required.
* Thorough working knowledge of consumer lending and all consumer and commercial deposit products and services- required.
* Thorough working knowledge of small business lending and Treasury Management products and services - preferred.
* Equivalent combination of education, training, and experience may be considered.
* Proven ability to provide professional, responsive customer service; with strong customer service delivery, sales, business development and relationship selling skills.
* Strong listening, verbal, written, and telephone etiquette business communication skills, including effective questioning strategies and presentation skills; with the ability to read, write, speak, and understand English well.
* Demonstrated ability to train employees in customer service, sales, operations, compliance and product knowledge.
* Strong leadership and managerial skills are required to manage, motivate, and develop a team, and monitor workflow and schedules. Employee development, performance management, training and employee counseling skills are required.
* Proven ability to develop and maintain open, professional, positive and productive relationships; demonstrate cooperative behavior with management, business partners, customers and co-workers, and work effectively as a team member.
* Advanced knowledge of all branch job functions, paying/receiving, operations, branch certifications and in-depth working knowledge of all retail banking products and services, consumer and small business lending, account and legal documentation.
* Strong understanding of debit/credit relationships and negotiable instruments; math skills to calculate interest, balance accounts and locate routine and non-routine mathematical errors.
* Consistent sales and business development skills with the ability to identify customer needs and cross-sell the Bank's products and services with confidence.
* Strategic approach to problem solving and decision-making, with demonstrated ability to quickly focus on key issues and independently make decisions under pressure of time constraints.
* Strong analytical reasoning, attention to detail, organizational, data review and time management skills, with the ability to accurately manage multiple assignments, goals, reporting requests and staffing schedules, ensuring priorities are set and commitments and deadlines are met, with minimal direction and supervision.
* Unquestionable integrity in handling sensitive and confidential information required.
* Proficient PC experience using MS Office products (Word, Excel, Outlook) and working knowledge of financial services industry core processing and automated banking systems, i.e., Fiserv or equivalent, with the ability to learn and adapt to new technologies quickly.
* This position may require National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008. Continued employment in this position with Heritage Bank is contingent upon successful registration and annual re-registration thereafter.
Working Environment/Conditions:
* Climate controlled office environment.
* Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions and frequent interruptions during the day.
* Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work a flexible and/or rotating schedule and or extended hours, and assist at other locations or remotely, as needed.
* May be exposed to potential risk and hazard - receives detailed instruction to minimize risk.
Physical Demands/Effort:
* Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day.
* Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion.
* Ability to stand or sit for extended periods of time and duration of shift. Ability to occasionally kneel, reach, bend, push, pull and carry.
* Occasional lifting to independently move and/or push cart to transport money and coin, 25-50 lbs.
Travel Time:
May travel for business development and customer meetings; willingness to travel to other branch locations when needed; valid driver's license, proof of insurance, and access to reliable transportation; or the ability to access and utilize an alternative method of transportation, when needed, to carry out job-related essential functions.
The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position.
Heritage Bank is an Equal Opportunity Employer
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status, disability, or any other basis protected by applicable law.
Job applicants have certain legal rights. Please click here for information regarding these rights.
If you need assistance completing the online application, please email: *******************************
Salary Range Disclaimer
The base salary range represents the min, mid and max of Heritage Bank's salary range for this position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance. The range listed is just one component of Heritage Bank's total compensation package for full time and part time employees. Depending on position, other total compensation rewards may include, monthly, quarterly or annual incentive, and/or bonuses.
##JobCategory:Retail Banking##
##Street:9515 NE Windsor St##
##City:Beaverton##
##State:OR##
##ZipCode:97006##
##Internal:false##
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Senior, Process Optimization
Loan Officer Job 7 miles from Hillsboro
WHO YOU'LL WORK WITH The Digital Process Optimization (DPO) Team under Nike Consumer, Product, Brand, & Marketplace (CPBM) Operations transforms operational processes through innovative digital solutions. In the Senior, Process Optimization role, you will partner with cross-functional teams to design, implement, and optimize process automation and workflow solutions. Reporting to the DPO Senior Manager, you will collaborate with global product creation, CPBM Operations, software engineering, program management, and data governance teams to deliver impactful solutions that drive productivity, foster collaboration, and enable data-driven decision-making.
WHO WE ARE LOOKING FOR
The DPO Team is seeking someone who thrives in a dynamic environment, with a passion for operational excellence and a strong background in software product development. This individual will have a proven track record of engaging with users to deeply understand their needs and deliver sustainable digital solutions that drive productivity, foster collaboration, and enable data-driven decision-making. In this role, you will act as both a strategic problem solver and an operator, partnering closely with cross-functional teams to design, implement, and optimize process automation and advanced workflow solutions. You will contribute to creating scalable, collaborative, and impactful solutions that enable operational excellence and enterprise-wide alignment.
* 5+ years of experience in Digital Transformation, Business Management Consulting, Product Management, or a related field.
* Bachelor's degree or equivalent combination of education, experience, or training.
* Demonstrated expertise in configuration, customization, and implementation of SaaS applications like RPA or Workflow systems.
* Lean or Six Sigma Certification (preferred)
* Experience working cross-functionally to influence decisions and drive change at scale
* Exceptional leadership, communication, and interpersonal skills
* Ability to communicate effectively across technical and non-technical stakeholders and with global and geo stakeholders
WHAT YOU'LL WORK ON
As a Digital Process Optimization Manager, you will oversee the product lifecycle of process automation and workflow solutions, from discovery through concept, testing, launch, and maturity. Your responsibilities will include:
* Leading the design, build, and delivery of process automation and workflow solutions using Automation Anywhere and Pega ecosystems.
* Collaborating with teams to translate the needs of CPBM into user-centric digital experiences.
* Ensuring timely delivery of high-impact features while prioritizing user sentiment and measurable value drops.
* Conducting qualitative and quantitative research to inform solution design and prototyping with end users.
* Developing, testing, and deploying sustainable, interim solutions leveraging LCNC, RPA, and advanced workflows.
* Owning the product roadmap and managing complex solution lifecycles, including requirements gathering, build, testing, launch, and ongoing production support.
* Establishing best practices and scalable processes to maximize the impact of delivered solutions.
* Reporting progress and managing your backlog within an Agile methodology to ensure consistent, high-quality delivery.
We are committed to fostering a diverse and inclusive environment for all employees and job applicants. We offer a number of accommodations to complete our interview process including screen readers, sign language interpreters, accessible and single location for in-person interviews, closed captioning, and other reasonable modifications as needed. If you discover, as you navigate our application process, that you need assistance or an accommodation due to a disability, please complete the Candidate Accommodation Request Form.
Commercial Loan Officer
Loan Officer Job 15 miles from Hillsboro
JOB TITLE: Business Client Advisor (Commercial Loan Officer)
REPORTS TO : SVP, Commercial Banking Team Leader
FLSA : Exempt
CATEGORY : Full Time
SHIFT : Monday - Friday 8:30am - 5:30pm
Seeking experienced Commercial Banker to drive new client acquisition and deposit growth. This role is ideal for a highly motivated, relationship-driven professional who excels in business development and consultative banking. The successful candidate will be responsible for identifying and onboarding commercial clients with a strong focus on deposit generation, treasury management solutions, and C&I lending opportunities, while actively managing and growing a portfolio.
ESSENTIAL DUTIES
Provides exceptional customer service to internal and external clients.
Proactively source and cultivate new commercial banking relationships, focusing on businesses that align with the bank's strategic goals.
Develop and execute a sales strategy to manage and grow C&I relationships: loans, core deposits, and treasury management services.
Conduct in-person meetings, attend networking events and lead community engagement activities to generate leads. Develops referral sources for additional business.
Partner with internal teams, including treasury management and credit, to deliver comprehensive banking solutions.
Identify and structure C&I lending opportunities for businesses, including working capital lines, equipment financing, and owner-occupied real estate loans.
Serve as trusted advisor to business clients, providing customized banking solutions that meet their financial needs.
Ensures proper underwriting and documentation of loans. Completes and approves credits in conformance with Loan Policy and within authorized limits and with satisfactory turnaround times on all credit requests.
Responsible for ongoing monitoring of credit quality of personal loan portfolio. Proactively notifies clients of upcoming loan maturities, renewals, rate adjustments and other loan events, ensuring receipt of all necessary documentation to complete renewals in a timely manner.
Performs analysis of credit reports, business and personal tax returns, financial statements, cash flows, and pricing analysis. Independently researches and analyzes borrower company and industry data.
Ensure high levels of client satisfaction and retention by delivering proactive service and financial insights.
Stay informed on industry trends, local market conditions, and competitor solutions.
Leverage industry knowledge to tailor financial solutions for businesses in target sectors.
Actively participate in professional associations and community organizations to enhance the bank's presence.
SECONDARY DUTIES
Participates in Board Loan Committee meetings where appropriate.
Provides direct and indirect customer service by giving advice and answers for a variety of basic to complex questions to clients and to colleagues. Refers inquiries to the appropriate department or person, exhibiting the necessary follow through with clients and/or colleagues involved.
Ensures all related file systems are maintained so that necessary documents can be found easily, and documentation is consistent and complete.
Assumes responsibility for various department functions in the absence of colleagues or in overload situations.
GENERAL
Provides excellent personal customer service to all internal and external clients by treating people with respect; keeping commitments; inspiring the trust of others; working ethically and with integrity; upholding organizational values; and, accepting responsibility for own actions.
Follows policies and procedures; completes administrative tasks correctly and on time; contributes to the overall profitability of the Bank through cost controls and expense monitoring.
Applies good judgment in decision making and sees beyond immediate assignments and acts on opportunities and problem areas.
Performs position safely and reports potentially unsafe conditions.
Works according to established schedules, arriving on time and with a positive attitude.
Completes assigned Compliance Training.
Any other duties as defined by management.
QUALIFICATIONS AND DEMONSTRATED ABILITIES
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
Bachelor's degree in finance, accounting, business administration or related field; or equivalent combination of education and experience. Work-related experience should consist of at least three (3) years' experience in a commercial lending capacity. Educational experience, through in-house training sessions, formal school or related curriculum, should be applicable to finance, accounting or business.
Strong understanding of commercial banking products, particularly deposits and treasury management.
Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, write reports, correspondence and procedures, speak clearly to clients, colleagues, directors, and shareholders.
Excellent sales, negotiation, and relationship management skills.
Ability to read, analyze and interpret business periodicals, professional journals and technical procedures.
Ability to analyze financial statements and assess banking needs.
Strong networking abilities and involvement in the local business community.
Intermediate computer operation skills; email, keyboarding, spreadsheet and specialty software programs to meet production needs of the position.
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Excellent organizational and time management skills.
Results-oriented, with the ability to work independently and collaboratively while also handling confidential information with discretion.
PHYSICAL REQUIREMENTS
Ability to sit and/or stand for extended periods of time.
Occasional walking to assist or meet with clients and staff at various locations within the Bank.
Continuous clarity of vision at 20 inches or less for normal processing of work.
Repetitive use of hands such as grasping, twisting/turning of wrists, and finger dexterity necessary to perform various clerical duties such as typing, writing, and maintaining files.
Occasional use of arms such as pushing/pulling to open and close drawers and cabinets.
Occasional bending and/or reaching for supplies, etc. on both low and high shelves.
ACKNOWLEDGEMENT
I have reviewed the above and acknowledge that I am able to perform the duties and meet the qualifications and requirements described herein. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Summit Bank reserves the right to update s periodically. I acknowledge that this job description does not in any way create a contractual relationship and does not alter Summit Bank's at-will employment relationship with me.
____________________________________________ ___________________________
Employee Signature
External Mortgage Loan Originator
Loan Officer Job 14 miles from Hillsboro
Job Details Experienced 5000 Lake Oswego - Lake Oswego, OR Full Time High School Road Warrior SalesDescription
AnnieMac Home Mortgage is looking to hire Full Time
External Mortgage Loan Originators
to establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources. Candidates should have experience directly related to the Mortgage Industry. Under the direct supervision of the Branch Manager, the job responsibilities of the
External Mortgage Loan Originator
position include, but are not limited to, the following:
Primary duty is to sell mortgage loans to customers away from and outside of AnnieMac Home Mortgage's places of business. Work done at AnnieMac Home Mortgage's offices is related and supplemental to outside sales.
Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.
Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.
Take information from the borrower and fill out the loan application.
Develop relationships with referral partners such as realtors to generate new customers.
Analyze the prospective borrower's income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.
Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.
Collect financial information (tax returns, bank statements) and other related documents that are part of the application process;
Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.
Counsel and advise the borrower in understanding and clearing credit problems.
Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.
Order legal documents.
Review HUDS prior to closing.
Qualifications
Must have appropriate state license or certificate (varies by state).
Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.
Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.)
Must have excellent communication skills and the ability to analyze financial information.
Must be a sales-oriented self-starter.
Work Environment/Physical Demands: Travel is required 80% of the time.
***AnnieMac Home Mortgage is an Equal Opportunity Employer
***
Commercial Banking Officer
Loan Officer Job 14 miles from Hillsboro
The Commercial Banking Officer is responsible for the development, and sales and risk management, of commercial banking relationships. Products include both non-credit and credit services, sold to relationships characterized by frequent, ongoing contact with clients in which banking services are provided in the context of being the primary bank, with long-term familiarity with client goals and needs. Valuable observations of client businesses are sometimes provided to clients on topics that are incidental to the provision of banking services. By these activities, the Commercial Banking Officer contributes to the corporation's goals for loans, deposits, and non-interest income and therefore has keen awareness of personal portfolio goals as relate to that contribution.
* Reviews lists, records, newspapers, networking opportunities, and other sources for business development leads.
* Develops new prospects and customers for the financial institution by maintaining an organized business development effort including but not limited to calling on new and existing clients, utilizing a contact management program, and planning and documenting calls as appropriate.
* Conducts other business development activities such as but not limited to joint calling with branch staff and product specialists, attending community and networking events, organizing events, publishing tombstones, and issuing newsletters.
* Interviews applicants for commercial banking services, both credit and non-credit services.
* Discusses client needs, problems or complaints with client relationship stakeholders.
* Evaluates potential customer loan requests and makes loan recommendations to management as appropriate. Analyzes and screens credit requests for all types of loans, utilizing all relevant information to determine client and prospect credit repayment capabilities. Reviews new laws, regulations, and policies that influence commercial lending within the financial institution and incorporates these as appropriate.
* Presents credit requests to management as appropriate or required by policy, by writing approval, problem credit, and other forms of loan memoranda.
* Presents non-credit and credit products to prospects and clients and refers client and prospects to other product specialists as appropriate including cash management, private banking, investment, branch, and other personnel.
* Negotiates credit terms, such as costs, loan repayment methods and collateral, including customer pricing for products sold as consistent with policies and procedures, and to be competitive with the market.
* Packages loans for prospects and clients, and recommends loan terms and conditions, and packages non-credit services, or directs supporting staff in such activities as appropriate. Ensures document accuracy relative to approved credit facilities. Corresponds with legal counsel or other agents, as appropriate, and as necessary.
* Monitors client performance versus that expected, documenting material variance and information, and making risk rating changes as appropriate. Includes but is not limited to the timely follow-up of financial reporting, covenant checks, and borrowing base review. Takes action regarding expiring notes in advance of maturity; collects past due payments quickly; and engages on other activities to maintain the credit quality of loan portfolio.
* Engages junior Commercial Banking Officers, Credit Analysts, Documentation Specialists, and Commercial Administrative Assistants as appropriate in the writing of loan memoranda, analyzing of data, completion of documentation, and risk management activities as routine among those activities essential to the development and risk management of commercial accounts.
* Manages large or complex commercial relationships, as needed, and counsels customers and prospects on banking and non-banking strategies.
* In some instances, maintains and enhances information base on local and national economics or industries, as well as other concerns, that would impact the financial institution's lending activities.
* Portfolio focus may be industry specific (such as agriculture, real estate, natural resource, or others).
* Other duties, in addition to those above, may be assigned by management.
Education/Knowledge/Skills & Abilities
* Bachelor's degree or equivalent in Finance, General Business or Accounting - desirable
* 2 - 3 years related job experience;
* Prior credit experience within a banking environment is desirable;
* Understanding of collateral requirements with general exposure to documentation
* Knowledge of credit investigations
* Use of bank standard word processing software and spreadsheet software with strong understanding of multiple math formulas.
* General communication (oral and written); clear voice communication; business telephone etiquette; distribute and exchange information with others; interaction with managers, employees, regulatory agencies, industry peers, customers, communicate/work with confidential information; compose draft written materials, correspondence/memoranda, reports, publications.
* Sound reasoning and judgement skills
* Exceptional interpersonal and rapport building skills
* Highly Organized
* Attention to Detail
* Knowledge Retention
Physical and Mental Requirements:
* General office environment
* May be necessary to work extended hours
* Periodic travel required
* Ability to perform repetitive finger, hand, and arm movements
* Ability to lift up to 20lbs.
* Ability to sit or stand for extended periods of time
* Ability to reach, squat, bend, and manually manipulate standard office equipment
Our Mission is simple, to be the best Bank for our employees, customers, investors and community.
At Bank of the Pacific, we are committed to delivering memorable service beyond the customer's expectation, to include both external and internal customers. We consistently demonstrate our values through teamwork, open communication, integrity, honesty and respect for others. Additionally, we will maintain a professional appearance through dress, conduct and an orderly work area. A successful candidate will possess these qualities and be enthusiastic, professional and of high ethics. They will embrace our Mission, Vision and Values and actively contribute to our success.
Our Core Values - We Care.
We consistently demonstrate this through:
Teamwork and open communication ~ Integrity, honesty and respect for others ~ Enthusiasm and positive recognition ~ Professionalism, initiative and innovation ~ Accountability, focused action and timely follow-through ~ Commitment to make our company a success
For your Benefit We Offer:
* Eligible to participate in annual incentive plan.
* We offer a comprehensive healthcare benefit package that includes: Medical, Dental, Vision, EAP, LTD, STD, Group Life, VTL, AD&D, FSA, DCAP, LFSA, and HSA.
* Retirement Savings Plan through 401(k) with an additional Roth 401(k) option. We match 100% of your deferral up to 5% of eligible compensation.
* Wellness Dollars up to $500 per year.
* Weekend Wellness Hours, 4 per quarter.
* Paid Birthday and Anniversary Holiday
* 11 paid Holidays per Year
* Sick Leave Time - Earn up to 8 days each Year
* Vacation - 22 days each year (first year adjusted based on hire)
* Vacation Purchase Plan
* Tuition Reimbursement
* Employee Banking Privileges and Special Loan Features.
All employees are responsible for internal controls in the performance of their assigned duties. Internal Control responsibilities are established in various policies, procedures, and documents including the Code of Conduct.
Bank of the Pacific is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.
Salary Range Disclaimer:
The base salary range represents the minimum and the maximum of Bank of the Pacific's salary range for this position. Actual salaries will vary depending on factors related to business needs and the employee's relevant knowledge, qualifications, experience, and job performance for the position.
Relationship Banking Officer
Loan Officer Job 15 miles from Hillsboro
JOB