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Mortgage Loan Officer

Council Bluffs, Iowa
Job Type
27 Jul 2022
Availa Bank

Description: Position Title: Mortgage Loan Officer

Department: Lending

Reports To: Senior Vice President Mortgage Banking

Location: All Branches

Primary Assignment: Loan Production

Position Status: Exempt

EEO/AA employer

This position is not remote and will work in our Council Bluffs, Iowa Mall location.

Applicants must be authorized to work for ANY employer in the United States. We are unable to sponsor or take over sponsorship of employment Visa at this time.


The primary responsibilities of the Mortgage Loan Officer are to generate, negotiate, underwrite, and coordinate the origination and closing of mortgage loans in compliance with the bank's lending policies and procedures. Within the portfolio managed, the Loan Officer will be responsible for credit decisions (within authority guidelines), overall credit quality, and fee income.


  1. Originates all loan applications within an acceptable customer service and regulatory timeframe
  2. Analyze credit applications and propose appropriate mortgage solutions/products to meet customer financial needs
  3. Maintain loan quality by striving for low incidence of incomplete documentation or regulatory violation
  4. Help the bank attract new customers and deepen relationships with existing customers through active involvement in the community and through participation in the bank's customer service and sales efforts
  5. Adheres to bank policy, procedures and all lending laws and regulations
  6. Work with customers through difficult/complicated issues that may arise
  7. Handle collections on delinquent loans; monitor the quality of existing loans
  8. Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages
  9. Develops and maintains contacts with local real estate agents, attorneys, developers, and builders to promote and encourage the use of bank services for residential mortgages
  10. Makes recommendations for new loan products and services
  11. Site visits may be applicable for construction, real estate purchase, or refinance originations
  12. Refer additional bank services and products

  • Bachelor business degree or equivalent experience
  • One to three years in the banking or lending environment preferred but not required
Other Skills and Abilities
  • Sound knowledge of loan policies and procedures including Fannie Mae
  • Strong background, or an ability to learn, mortgage lending principles and programs, technicalities, and compliance
  • Strong math skills; add, subtract, multiply and divide in all units of measure
  • Exceptional oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, understand procedures, write reports and correspondence, speak clearly to customers and employees
  • Exceptional organizational and time management skills; ability to function well in a fast-paced environment
  • Proficient Microsoft Office skills (to include Word, Excel, PowerPoint and Outlook) and Adobe PDF
  • Assumes a leadership role in community projects and activities
  • Accepts a leadership role within the bank and participates in bank promotions and activities
  • Must have a valid driver's license and reliable transportation


To perform the job successfully, an individual should demonstrate the following competencies:
  • Accountability - will follow through on what he/she says they will do; holds others accountable in the workplace
  • Analytical - collects and researches data; uses intuition and experience to complement data; designs workflows and procedures as necessary.
  • Problem Solving - identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
  • Project Management - coordinates projects; communicates changes and progress; completes projects on time and budget.
  • Technical Skills - assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.
  • Oral Communication - speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings.
  • Teamwork - balances team and individual responsibilities; exhibits objectivity and openness to others' views; gives and welcomes feedback; contributes to building a positive team spirit; recognizes how his/her actions impact others.
  • Leadership - exhibits confidence in self and others; inspires and motivates others to perform well.
  • Written Communication - writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data effectively; able to read and interpret written information.
  • Ethics - inspires the trust of others; works with integrity and ethically; upholds organizational values.
  • Organizational Support - follows policies and procedures.
  • Adaptability - adapts to changes in the work environment; changes approach or method to best fit the situation.
  • Attendance/Punctuality -is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.
  • Dependability - responds to management direction; accepts responsibility for own actions; completes tasks on time or notifies appropriate person with an alternate plan.
  • Judgment - exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process.
  • Planning/Organizing - prioritizes and plans work activities; uses time efficiently; sets goals and objectives.
  • Professionalism - approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration regardless of their status or position; follows through on commitments.
  • Quality - demonstrates accuracy and thoroughness; looks for ways to improve and promote quality; applies feedback to improve performance; monitors own work to ensure quality.
  • Initiative - is a self-starter; seeks out new tasks and expands abilities; works for the better needs of the business, not just his/her own position.
  • Growth and Customer Focus - provides excellent customer service to everyone; supports business and revenue growth; focuses on opportunities to suggest new services to customers.


Work is performed largely within the Bank with limited chance for personal injury.

The following physical and mental requirements must be met to perform the essential functions of this position:
  • Frequently communicate with employees and other parties by phone, email and/or in person; can exchange accurate information in these situations.
  • Constantly operates a computer and other office equipment such as a calculator, copy machine, and printer.
  • Frequently move inside the office to access files or office equipment.
  • Occasionally lift and/or move up to 50 pounds of office supplies and equipment.
  • Some bending, turning, and twisting required.
  • Required to sit for prolonged periods of time and reach with hands and arms.
  • Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.
  • Periodic stressful situations in response to multiple priorities within established deadlines.
  • Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees.
  • Drive to/from and work in multiple branches/locations as needed.
This position is not remote and will work in our Council Bluffs, Iowa Mall location.


This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.



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  • Job Reference: 668996377-2
  • Date Posted: 27 July 2022
  • Recruiter: AVAILA BANK
  • Location: Council Bluffs, Iowa
  • Salary: On Application
  • Sector: Accounting
  • Job Type: Permanent