Mortgage Loan Officer II

Date: January 9, 2020
Grade: 6
Full-/Part-Time: Full-Time
Location: Sioux Falls, SD
Overall Functions: This person develops and manages the larger and in some cases more complex Mortgage loans that meet established lending requirements and criteria and which provide maximum profitability to the Bank with a minimum of risk.
Qualifications: This person should have a bachelor’s degree, plus a minimum of five years of progressively advanced experience in bank lending or equivalent. Emphasis is placed on suitable communication skills as well as aptitude for detail.


1. Seek, identify and solicit desirable mortgage loan customers in order to achieve

maximum profitability, with minimum risk to the Bank.

2. Interview mortgage loan applicants in order to assemble the information needed to make

a credit decision. Assist customers in the application process and answer inquiries about

the mortgage loan process and/or bank policies and procedures. Determine credit

worthiness of applicants by analyzing credit information and appraisals and submit the

file to a bank underwriter for processing to the secondary market.

3. Close each mortgage loan in accordance with Loan Policies and Guidelines and Industry Standards to insure the accuracy and completeness of loan documentation.

4. Ensure the complete collection of all loans extended by monitoring past due reports and following through on collection efforts, using all legal means as required by Loan Policies and Guidelines.

5. Remain current on industry products and developments, ensuring the Bank’s ongoing competitive advantage. Be able to present the benefits of each product to best meet the customer’s need.

6. Provide ongoing customer service to ensure customer retention and continued cross selling. Establish a deposit goal and strive to meet or exceed that figure.

7. Attend all loan meetings as deemed appropriate or directed by the VP to participate in decisions, which affect ongoing and future operations of the loan function.

8. Provide guidance and assistance to the other Mortgage Department Staff.

9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.

10. Adhere to compliance procedures and participate in required compliance training.

11. Responsible for the accounts payable function, which includes the timely and accurate signing off and approving the payment of invoices.

EOE/AA/Minority/Female/Veteran/Disability/Sexual Orientation/Gender Identity