: Mortgage Loan Officer


First Bank

Job Description


Effective Date:

EEO Code:   

Job Description: Mortgage Loan Officer

Officer Title:  

Employee Name: 

Reports To:  Chief Credit Officer


FLSA Status: 

Job Status:


Summary:  The role of a mortgage lender is to meet the home purchase and refinance needs of our communities by establishing relationships with professionals involved in all facets of the home purchase/refinance process while providing knowledgeable care and guidance to each client as they navigate the mortgage loan process.


Duties and Responsibilities:

  1. Maintain knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.
  2. Develop contacts with local realtors, insurance agencies, inspectors, attorneys, and First Bank staff encourage and elicit referrals.
  3. Meet with clients to determine whether they are eligible for mortgage loans and review financial information to determine the amount they can borrow. 
  4. You must be able to facilitate the application process from beginning to end which includes proper disclosures, collecting various documentation needed for loan approval, articulate requirements, terms and conditions to client, schedule document preparation, loan closings and any other duties required in the mortgage process.
  5. Attend all loan closings within a reasonable distance.  If unable to attend, ensure that all parties involved are aware of everything needed for closing.
  6. Reconcile any fees collected at the closing and place those fees in the appropriate General ledger account within First Bank.
  7. All files that have been closed will need to be maintained in accordance with compliance requirements.
  8. What about declines?
  9. Complete and maintain the monthly/yearly Closed Loan Reports and Mortgage Referral Reports


Secondary or Additional Job Duties:

1.       This job description in no way states or implies that these are the only duties to be performed. You will be expected to follow any other job-related instructions and to perform other job-related duties as requested by management.

Experience and Other Requirements

1.       Must have experience in Mortgage Loan Origination and/or processing.

2.       Do they need a MLO number?

3.       Must be outgoing and sales oriented.

4.       Demonstrating knowledge and understanding of general Mortgage Lending practices and guidelines.

5.       Must possess analytical ability and ability to conduct thorough research, interpret and understand laws and regulations, and provide workable recommendations and solutions to problems.

6.       Must possess the ability to handle multiple, conflicting deadlines.

7.       Must possess the ability to interact positively with all levels of the organization, including Management, the Board, other Volunteers, coworkers, and the public to promote a team effort and maintain a positive attitude even under extreme pressure.

8.       Excellent oral, written, telephone, organizational and interpersonal communication skills.

9.       Extensive use of personal PC required with proficiency in Microsoft applications, including Word, Excel, and PowerPoint.

10.  Must be proficient using e-mail and the internet.


All First Bank employees are required to:

1.       Be attentive to our customer needs with a welcoming personality.

2.       Possess a team-oriented attitude with a desire to see success in themselves and others.

3.       Maintain a strict standard of confidentiality involving all transactions and relationships.

4.       Develop a working knowledge of all bank products.

5.     Maintain a professional appearance appropriate for conducting business.


Statement of Understanding:

I understand that the above duties and how I perform them are the requirements on which my performance will be judged. It is understood that these duties may be revised from time to time at the discretion of the Bank’s management.




Employee’s Signature                                              Date




Bank Representative                                                Date

FIRST BANK MCCOMB MISSISSIPPI is an EEO employer - M/F/Vets/Disabled
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