Interviews applicants, and reviews, evaluates, and authorizes or recommends approval of customer applications for conventional residential mortgage and FHA/VA loans. Interviews applicant and requests specified information for mortgage loan application. Analyzes applicant financial status, credit, and property evaluation to determine... [+] More

Interviews applicants, and reviews, evaluates, and authorizes or recommends approval of customer applications for conventional residential mortgage and FHA/VA loans. Interviews applicant and requests specified information for mortgage loan application. Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan, or may submit application to Credit Analyst for verification and recommendation.

Corresponds with or interviews applicant or creditors to resolve questions regarding application information. Approves mortgage loan within specified limits or refers loan to loan committee for approval. Lesser experienced loan officers operate with moderate credit authority where more experienced senior loan officers operate with substantial credit authority involving large amounts of money or important customers. Ensures loan agreements are complete and accurate according to policy. May confer with mortgage underwriter to aid in resolving mortgage application problems. May analyze potential loan markets to develop prospects for loans. May solicit and negotiate conventional or government secured loans on commission basis. May supervise loan personnel. [-] Less

Directs and coordinates, through subordinate managerial personnel, activities of retail consumer products and services division. Oversees new accounts, branch operations, customer service, marketing, personal banking, private banking, and tellers. Acts under authority and responsibility delegated by corporate executive officer. NOTE

ERI's... [+] More

Directs and coordinates, through subordinate managerial personnel, activities of retail consumer products and services division. Oversees new accounts, branch operations, customer service, marketing, personal banking, private banking, and tellers. Acts under authority and responsibility delegated by corporate executive officer. NOTE

ERI's findings based on asset size.

Oversees activities of assigned programs, determines methods and procedures for carrying out program, and assists in interpreting policies and practices. Directs or conducts management studies, prepares workload and budget estimates for specified or assigned operations, analyzes operational reports, and submits activity reports. Develops and recommends plans for expansion of programs, operations, and financial activities. May solicit new business or participate in community or service organizations. May authorize loans of specified types and amounts when permitted by institution regulations. [-] Less

Directs and coordinates various activities of personnel engaged in installing and maintaining municipal emergency and business radio communications equipment, and in operating police, fire, or other municipal radio transmitters

ensures that government regulations concerning installation and operation of municipal radio stations... [+] More

Directs and coordinates various activities of personnel engaged in installing and maintaining municipal emergency and business radio communications equipment, and in operating police, fire, or other municipal radio transmitters

ensures that government regulations concerning installation and operation of municipal radio stations are complied with. Participates in operation, testing, and development of all types of police, fire, or other municipal communication systems. Submits required reports to designated authorities concerning communications equipment status, such as nature of business transacted over radio station, character of radio repairs made or needed, and general condition of municipal communications system. Confers with municipal authorities for approval of major capital investments needed in establishing and maintaining system. Cooperates with fire, weather station, and civil defense authorities to originate or relay emergency messages. In communities where equipment is used primarily for police broadcasts, may be a police officer and be designated according to rank as radio-division captain; radio-division lieutenant. [-] Less

Manages branch or office of financial institutions, such as commercial bank, credit union, finance company, mortgage company, savings bank, or trust company

directs and coordinates activities to implement institution policies, procedures, and practices concerning granting or extending lines of credit, commercial... [+] More

Manages branch or office of financial institutions, such as commercial bank, credit union, finance company, mortgage company, savings bank, or trust company

directs and coordinates activities to implement institution policies, procedures, and practices concerning granting or extending lines of credit, commercial loans, real estate loans, and consumer credit loans. Directs, through subordinate supervisors, activities of workers engaged in implementing establishment services and performing such functions as collecting delinquent accounts, authorizing loans, or opening savings account. Establishes procedures for custody and control of assets, records, loan collateral, and securities to ensure safekeeping. Contacts customers and business, community, and civic organizations to promote goodwill and generate new business. May prepare financial and regulatory reports required by law, regulations, and board of directors. May examine, evaluate, and process loan applications. May recommend securities to board or corporate officers for institution investment. May talk to customers to resolve account problems. May interview and hire workers. May evaluate data pertaining to costs to plan budget. May plan and develop methods and procedures for carrying out activities of establishment. May be designated according to type of financial institution managed, as manager, branch bank; manager, commercial bank; manager, credit union; manager, finance company; manager, mortgage company; manager, savings bank; manager, trust c. [-] Less

Manages mortgage loan... [+] More

Manages mortgage loan department of a financial institution. Coordinates activities to implement institution policies, procedures, and practices concerning granting or extending lines of credit and loan activities. Develops or approves mortgage lending policies and interest rate structures. NOTE

ERI's findings based on asset size.

Authorizes loans that exceed staff authority. Reviews loan applications for completeness. Analyzes applicant's financial status, credit, and property evaluation to determine feasibility of granting loan requests. Contacts customers, businesses, and community and civic organizations to promote goodwill and generate new business. May correspond with or interview applicant or creditors to resolve questions regarding application. May prepare financial and regulatory reports required by law, regulations, and Board of Directors. May examine and evaluate loan applications. May interview and hire workers. May evaluate data pertaining to costs to plan budget. May plan and develop methods and procedures for carrying out activities of department. [-] Less

Manages mortgage loan... [+] More

Manages mortgage loan department of a financial institution. Coordinates activities to implement institution policies, procedures, and practices concerning granting or extending lines of credit and loan activities. Develops or approves mortgage lending policies and interest rate structures. NOTE

ERI's findings based on asset size.

Authorizes loans that exceed staff authority. Reviews loan applications for completeness. Analyzes applicant's financial status, credit, and property evaluation to determine feasibility of granting loan requests. Contacts customers, businesses, and community and civic organizations to promote goodwill and generate new business. May correspond with or interview applicant or creditors to resolve questions regarding application. May prepare financial and regulatory reports required by law, regulations, and Board of Directors. May examine and evaluate loan applications. May interview and hire workers. May evaluate data pertaining to costs to plan budget. May plan and develop methods and procedures for carrying out activities of department. [-] Less

Manages mortgage loan... [+] More

Manages mortgage loan department of a financial institution. Coordinates activities to implement institution policies, procedures, and practices concerning granting or extending lines of credit and loan activities. Develops or approves mortgage lending policies and interest rate structures. NOTE

ERI's findings based on asset size.

Authorizes loans that exceed staff authority. Reviews loan applications for completeness. Analyzes applicant's financial status, credit, and property evaluation to determine feasibility of granting loan requests. Contacts customers, businesses, and community and civic organizations to promote goodwill and generate new business. May correspond with or interview applicant or creditors to resolve questions regarding application. May prepare financial and regulatory reports required by law, regulations, and Board of Directors. May examine and evaluate loan applications. May interview and hire workers. May evaluate data pertaining to costs to plan budget. May plan and develop methods and procedures for carrying out activities of department. [-] Less

Manages mortgage loan... [+] More

Manages mortgage loan department of a financial institution. Coordinates activities to implement institution policies, procedures, and practices concerning granting or extending lines of credit and loan activities. Develops or approves mortgage lending policies and interest rate structures. NOTE

ERI's findings based on asset size.

Authorizes loans that exceed staff authority. Reviews loan applications for completeness. Analyzes applicant's financial status, credit, and property evaluation to determine feasibility of granting loan requests. Contacts customers, businesses, and community and civic organizations to promote goodwill and generate new business. May correspond with or interview applicant or creditors to resolve questions regarding application. May prepare financial and regulatory reports required by law, regulations, and Board of Directors. May examine and evaluate loan applications. May interview and hire workers. May evaluate data pertaining to costs to plan budget. May plan and develop methods and procedures for carrying out activities of department. [-] Less

Sells mortgage lending services to new or existing customers of a commercial financial institution in assigned area or territory. Creates prospect list and gets new accounts. Contacts and interacts directly with potential, new, and existing customers or clients to present... [+] More

Sells mortgage lending services to new or existing customers of a commercial financial institution in assigned area or territory. Creates prospect list and gets new accounts. Contacts and interacts directly with potential, new, and existing customers or clients to present information and explain available mortgage lending services offered, utilizing persuasive sales techniques.

Calculates and quotes interest rates and payments. Answers all questions concerning mortgage lending services, with appropriate referrals where required. Analyzes and determines customers' lending needs, recommends services best suited for them, and prepares and presents proposals to sell services that address those needs. Prepares forms or agreements, closes transactions, and secures sales. Establishes professional customer relationships with appropriate customer personnel. Submits time and expense reports to management. Investigates service warranty claims to ensure resolution within organization policies. Analyzes and interprets records of present and past sales, trends and costs, estimated and realized revenue, administrative commitments, and obligations incurred for management. Keeps informed of new services and changes that might affect services offered. Keeps informed of company contract procedures and service prices. May work with appropriate internal departments to obtain support and assistance in meeting customers' needs. [-] Less

Gives approval or denial for mortgage loans, following mortgage standards. Checks and examines information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards.

Assesses acceptability of loan to corporations that buy real estate... [+] More

Gives approval or denial for mortgage loans, following mortgage standards. Checks and examines information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards.

Assesses acceptability of loan to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors. Accepts or rejects loan application, or requests additional information. Records loan rejection specifying investor and institution guidelines and basis for declining application, such as insufficient cash reserves. Assembles documents in loan file, including acceptance or denial, and returns file to originating mortgage loan office. May be authorized by Federal agency to certify that mortgage loan applicant and property qualify for mortgage insurance endorsement from federal government. [-] Less