Residential Mortgage Lender

General Function: The position is responsible for assuming overall responsibility for the residential mortgage loan process from application to close, including underwriting evaluation, and collections.  Duties and Responsibilities: - Develop new and expand both internal and external referral sources to grow mortgage business. - Interview mortgage loan applicants to collect and analyze financial data to determine the merits of the specific loan request. - Establish and negotiate loan terms including costs, repayment method and repayment schedule. - Advise customers concerning financial matters. - Review all documents to ensure risk exposure, Loan-to-Value, credit scores, Debt-to-Income ratios, ability to repay, etc. - Review appraisals for accuracy and completeness. - Complete and communicate underwriting decision and explain conditions, if any. - Request and review closing documents and conduct loan closings. - As necessary, assist with collection activities related to past due mortgage loans. - Maintain knowledge of Bank policies and procedures.  - Ensure compliance of all state, federal laws and banking regulatory laws. - Perform other duties as assigned.    Qualifications: - High school diploma or equivalent mandatory. - 3 or more years of residential mortgage lending experience.  - NMLS license. - Knowledge of mortgage loan products, processing, underwriting, and closing guidelines. - Knowledge of federal lending regulations governing real estate lending. - Demonstrated organizational skills. - Demonstrated ability to identify opportunities to cross-sell financial products and services. - Strong written and verbal communications skills. - Demonstrated teamwork and customer service skills. - Proven computer skills. - Ability to multi-task. - Strong organizational skills.