Junior Loan Officer, Consumer Lending

Regulators examine us regularly, and risk, audit and compliance make up a large part of the staff. Wealth management, mortgage and treasury services each operate as separate lines of business. Cash audits are unannounced, and balancing to the penny is expected.

Job summary:

Saddleyard Community Bank is a mortgage lender with a branch in Charlotte. Leads come from real estate agent relationships, past clients and our website. On site, Charlotte.

Day to day:

• Build referral relationships with real estate agents, builders and financial planners
• Explain rates, points, closing costs and loan terms clearly
• Originate conventional, FHA, VA and USDA loans for purchase and refinance
• Review credit reports and recommend loan programs that fit the borrower
• Attend open houses, agent office meetings and homebuyer seminars
• Track pipeline and lead follow-up in a CRM such as Salesforce or Total Expert
• Lock rates per company policy

Qualifications:

• 1-2 years of mortgage lending experience
• Comfortable with income calculations for W-2 and self-employed borrowers
• Self-motivated, with a plan to generate your own leads
• Working knowledge of conventional, FHA and VA guidelines
• Must pass background and credit checks
• Experience with Encompass or another loan origination system
• Clear communicator with first-time buyers

Preferred qualifications:

• Construction or renovation loan experience
• Existing referral network of agents
• Bachelor's degree in finance or business
• Spanish fluency

Expected salary range: $47,000 - $57,000/year, plus bonus eligibility.

Why work with us:

• Health, dental and vision coverage starting on day one
• 401(k) with a 100% match up to 5%
• Paid parental leave
• Free parking
• Paid time off

Saddleyard Community Bank is an Equal Opportunity Employer, including disability and protected veteran status.

Please include a short note on why this role interests you.

Start: Immediately.

Demo job created on 11jobs for testing and demonstrations. It is not an actual opening at Saddleyard Community Bank.