SALARIED POSITION IN KEARNEY, NEBRASKA.

Full benefit package available including, health, dental, vision, life and disability insurance. 401k plan with employee match, as well as paid vacation, sick and holiday time.
A Residential Mortgage Loan Officer works directly with the client to determine the mortgage product that best suits the client’s need and then manages the loan through the process for a quick and efficient closing. As a Mortgage Loan officer with Exchange Bank, your goal will be to meet the following criteria:

Business Development Consistent With Budgetary Branch Goals of the Bank

• Originate mortgage loans to be sold on the secondary market or held in house per bank underwriting criteria. The target for secondary market loans originated annually will be to exceed $15 million.
• Business calling expectation of sufficient number and quality per month in pursuit/achievement of strategic growth objectives for the branch and individually.
• Promptness in reporting of business development as requested.

Risk Assessment/Delinquency Collection/Credit Due Diligence – In House Credit

• Maintain a classified loan total <2.0% of respective loan portfolio at all times.
• Loan delinquency ratio <.75% of respective loan portfolio.
• Technical deficiencies of portfolio appropriately maintained at acceptable target levels.
• Watch list recommendations and timely preparation of problem credit memo and submission per Exchange Bank credit policy.

Credit Administration Effectiveness and Accountability

• Insure that all loan documents are properly prepared prior to customer signing.
• Accurate and timely submission of mortgage loans sent to secondary market.
• Credit files are kept current with relevant, limited and appropriate information.

• Insure that all loan documents are properly prepared prior to customer signing.
• Accurate and timely submission of mortgage loans sent to secondary market.
• Credit files are kept current with relevant, limited and appropriate information