Senior Mortgage Loan Officer

Location

Job Description:

Join Our Team as a Senior Mortgage Loan Officer at Gate City Bank - Alexandria!

Are you passionate about banking? Do you thrive in an environment where innovation is encouraged and excellence is celebrated? If so, Gate City Bank is looking for someone just like YOU to join our dynamic team!

Why Gate City Bank?

At Gate City Bank, we’re more than just a financial institution – we’re a community-focused organization dedicated to leaving a positive impact. Gate City Bank empowers our team members to live out our mission. Here’s why you’ll love working with us:

• Make a Difference: We believe in giving back to our community through our Acts of Kindness including volunteerism and philanthropic giving. When you work with us, you're part of something bigger than banking – you're part of a movement to create positive change.

• Customer Obsession: Our customers are at the heart of everything we do. We're committed to consistently listening to their needs and exceeding their expectations with personalized experiences that delight and enhance their lives.

• Be a Leader: Integrity, honesty, and financial leadership are the cornerstones of our organization. As a member of our team, you'll have the opportunity to lead with integrity and contribute to our competitive products, services, and experiences.

• Embrace Innovation: We foster a culture of innovation where curiosity is encouraged, and creativity is celebrated. As a data-guru mindset cultivator, you'll have the chance to challenge the status quo, experiment with new ideas, and drive positive change that supports our bank's goals.

• Sense of Urgency: In today's fast-paced world, acting with a sense of urgency is crucial. At Gate City Bank, we proactively initiate positive change to remain a financial leader in our industry, and we're looking for individuals who share our commitment to making a difference.

• Commitment to Compliance: We hold ourselves to the highest standards of compliance and governance in everything we do. When you join our team, you'll be accountable for upholding these standards and contributing to a culture of excellence.

Job Responsibilities:

The Senior Mortgage Loan Officer prospects, establishes, and maintains relationships with customers, all referral partners including realtors, vendors, and contractors by providing mortgage lending product and service expertise to meet and exceed established lending goals and staying within established lending limits, ensuring loan quality, and growth for the Bank. 

HOURS:

Monday-Friday, 8-5pm

ESSENTIAL FUNCTIONS:

• Solicit and sell 1 - 4 family loans through self-motivated marketing efforts that may include participation in sales calls, home-buyer seminars, Realtor and Homebuilders Association functions, Parade of Homes, Home Shows. An active, involved member of the community that attends community activities. 

• Interview customers to obtain financial histories including income, assets, investments and debts.  Analyzes the customer’s financial information to meet the customer’s needs by:

• Educating the borrower on the advantages and disadvantages of mortgage loan products.

• Use every customer contact as an opportunity to advise customer about additional services or programs that may benefit them.

• Always asking the customer for his/her business.

• Prepare residential loan applications completely, accurately, and in compliance with Federal guidelines and Gate City Bank’s policies and procedures.

• Assist loan origination staff with the process of loans.  Act with a sense of urgency in responding to required documentation.

• Meet established personal production goals and assists in the achievement of all the Bank’s annual production goals.

• Prospect, build, and maintain relationships with real estate brokers, local builders and contractors, and other sources for a continued source of production. 

• Demonstrate knowledge of all current policies, procedures, and compliance pertaining to mortgage loans, including CRA.

• Responsible for training employees and mentoring of new Mortgage Loan Officers.

Other:

• Provide a “Wow” customer service experience for team members and customers.

• Develop and maintain productive relationships with team members, leaders, customers, and vendors.

• Prompt and reliable attendance is essential in order to provide expected levels of service.

• Must comply with all Gate City Bank policies, procedures, and applicable laws and regulations.

• Must be detailed-oriented and maintain high degree of accuracy.

• Ability to make decisions in a fast-paced environment.

EDUCATION AND EXPERIENCE:

Bachelor’s degree (B.A.) from a four-year college or university preferred; 5-7 years related (sales) experience; or equivalent combination of education and experience.

• Strong oral and written communication skills.

• Interpret and use data for decision making.

EOE/including Disability/Vets

Member FDIC