LOAN OFFICER
JOB DESCRIPTION

Location: Columbus, OH

Ragland Mortgage Loan Officers are responsible for the origination of our loan products. Loan Officers proactively solicit and self-source new residential mortgage loans in compliance with and to meet the company's loan quality, client servicing, and production goals. Loan Officers are required to conduct sales and engage in sales activities in various settings, including and away from your regular place of business.

Establishes, develops, and maintains positive relationships with existing and potential customers.
Develops, maintains, and monitors relationships with client referral sources, including realtors and brokers, builders, developers, financial advisors, and other referral sources to generate mortgage leads with new and existing customers.
Stays on top of trends, changes, and developments in their local real estate market.
Monitors what competitors are doing by keeping up-to-date with changing rules, regulations, and guidelines from FHMA, FHLMC, FHA, and VA in addition to other investors and agencies.
Stays informed of all origination, processing, appraisal, underwriting, and closing requirements for both Ragland Mortgage and investor guidelines on both government and privately insured mortgages.
Negotiates price, terms, and conditions with mortgagors.
Responsible for customer interaction between all parties involved on each loan, as it is originated from application to closing. This includes counseling and prequalifying potential home buyers; taking complete and accurate applications; obtaining all necessary documents, appropriate fees, and lock-in information; overseeing the loan status; and obtaining loan documentation after closing as directed by management.
Writes sales reports, plans, and engage in marketing and promotional activities that support sales goals.
Participates in ongoing individual and company-sponsored training programs to learn new and different sales techniques.
Must comply with Ragland Mortgage company policies and procedures and all applicable federal, state, and local laws, ordinances, rules, regulations, guidelines, and other mortgage banking industry requirements.

Qualifications

Must have a current and active NMLS in good standing.
Must have current and active State Licensing in good standing.
Bachelor's degree from a four-year college or university.
One to two years related experience and/or training; or equivalent combination of education and experience as a loan originator.