Loan Officer

• Build trusted relationships with current and prospective Housing Partnership Network member-borrowers
• Develop and execute outreach strategies and track activity in Salesforce
• Strengthen existing relationships and expand HPN’s lending presence
• Represent HPN at member conferences, Strength Matters, site visits, and other events
• Coordinate CRM activities for the team and collaborate with outreach professionals
• Conduct initial underwriting for affordable housing commercial real estate transactions
• Recommend transaction terms and credit structures to the Director of Lending
• Perform financial analysis, due diligence, feasibility assessment, and early borrower/project risk evaluation
• Prepare and finalize term sheets
• Determine deal structures that maximize financial return and mission impact
• Provide clients with formal-underwriting preparation checklists
• Coordinate handoffs to underwriters after the term-sheet stage
• Support loan policy updates and credit memorandum template improvements
• Provide lending updates for website, marketing materials, and communications
• Support portfolio and workout matters with Asset Management
• Assist with investor applications and member surveys

Senior Loan Officer

• Originate regulatory-compliant residential loan applications
• Develop client referral relationships with realtors, builders, attorneys, and other centers of influence
• Expand and deepen customer relationships by identifying needs and matching them with products and resources
• Monitor expedited processing of loan applications through regular contact with loan processors
• Conduct regular pipeline management
• Follow up on leads from personal efforts, industry contacts, inquiries, advertising, and direct mail
• Conduct regulatory-compliant loan pre-qualification interviews
• Explain and recommend appropriate loan programs based on pre-qualification interviews
• Maintain and follow up on loan leads until resolution
• Accept and review residential mortgage loan applications for compliance with Bank, industry, and agency guidelines
• Notify applicants who do not qualify and begin processing qualified applications promptly
• Solicit and originate mortgage loan programs, including for low-to-moderate areas and low-to-moderate income individuals
• Liaise with local, state, and federal government agencies and nonprofit community development groups
• Identify customer needs and cross-sell Bank products and services or refer customers to business partners
• Promote the Bank's loan programs in the community
• Prepare records and reports regarding loan solicitation, origination, and closing activities

Residential Loan Officer

• Underwrite, oversee credit risk, and manage portfolios for complex commercial lending relationships, primarily Special Mention and Classified-rated borrowers
• Administer and monitor a large portfolio of complex commercial loans
• Personally manage loan relationships within the group
• Maintain accurate customer records and files and prepare in-depth management reports
• Monitor credit administration, exceptions, and risk management metrics
• Administer existing loans for conformity with terms and adequate documentation
• Prepare criticized asset reports and review memos
• Coordinate with operations and processing areas to ensure loan payments are collected and recorded
• Maintain current customer risk ratings and update credit-file comments
• Accompany loan officers on sales calls to assist with account details and implementation
• Provide technical guidance and assist staff with complex work
• Train and mentor new and less experienced staff
• Coordinate with the credit department and perform in-depth financial analyses and credit investigations
• Contribute to group loan decision processes based on credit-risk evaluations and other factors
• Visit customers independently and with commercial loan officers to maintain business relationships
• Manage assigned accounts and/or share account-management responsibilities with commercial loan officers
• Perform periodic customer-site inspections to audit accounts and ensure adherence to loan agreements and terms
• Utilize limited personal credit authority under the Relationship Manager’s direction

Commercial Portfolio Loan Officer III – Workout

• Support the Company’s growth through outside sales activities and lead generation
• Travel at least weekly to communities, realtors’ offices, and other locations to solicit new business and leads from home builders
• Conduct First Time Homebuyer Seminars to develop leads and build relationships
• Travel to and participate in builder and realtor functions, status meetings, phase releases, phone banks, and special events
• Meet with prospective and current customers, explain mortgage offerings, obtain loan applications and required documents, and attend closings
• Review leads daily and contact prospective customers by telephone and email to arrange in-person or virtual meetings
• Originate and prepare new loans in accordance with the Loan Officer agreement and Products and Policies manual
• Advise customers on mortgage loan products based on their individual needs
• Review interest rates and lock loans according to Secondary Marketing Pricing and Rate Lock policies, at least fifteen days before closing
• Assist New Home Consultants with customer pre-qualifications and provide loan status updates
• Meet or exceed closed loan capture rates, spot loan objectives, and other established sales goals
• Maintain reports and notes in the origination computer system regarding prospects, customers, applications, loan status, underwriting, rate locks, projected closings, incentives, and expenses

• Counsel members and gather required documentation for consumer-loan hardship assistance requests
• Evaluate loan status and documentation and prepare policy-based recommendations for the Loan Review Committee
• Present loan workout options to the Loan Review Committee for approval or denial
• Participate as a member of the Loan Review Committee
• Maintain the assigned consumer-loan Loss Mitigation portfolio
• Assist members with short- and long-term loan modification requests
• Contact members and third-party service providers to obtain information and coordinate required services
• Complete ability-to-repay analyses, scenario outcome reviews, and risk analyses
• Analyze documents and complete workout sheets presenting borrowers’ financial positions and payment-ability impacts
• Recommend modifications, repayment plans, and alternative workout solutions
• Troubleshoot complex member issues, recommend actions to management, and follow through to resolution
• Set up approved workout options in the core system and implement approved loss-mitigation solutions
• Sign into the phone queue daily to answer member questions
• Write routine reports and correspondence
• Maintain compliance with applicable lending, Credit Union, and Bank Secrecy Act requirements

Loan Workout Officer

• Develop commercial banking business for companies up to $60 million in revenue
• Acquire new commercial banking business using effective calling techniques
• Build and maintain relationships with accountants, attorneys, community leaders, and professional/social organizations
• Attend networking, charity, and corporate functions for prospecting and relationship building
• Update supervisors on pending banking business, metrics, portfolio status, and underwriting status
• Manage commercial portfolios and coordinate with clients on accounts and relationship issues
• Facilitate credit applications, perform site visits, obtain underwriting decisions, and conduct annual portfolio reviews
• Identify, evaluate, structure, and document commercial credit transactions
• Monitor credit quality and take appropriate action
• Resolve client service issues and cross-sell bank products
• Handle high-level executive account and loan requests
• Represent the bank in civic and community functions
• Attend training to improve sales, presentation, commercial, SBA, treasury management, and banking knowledge
• Manage service providers and vendors as directed
• Comply with banking laws and regulations, including the Bank Secrecy Act, USA Patriot Act, anti-money laundering statutes, and consumer protection regulations
• Level 2: Mentor credit analysts, portfolio managers, and less experienced loan officers
• Level 3: Manage the largest and most complex client portfolios, mentor team members, advise colleagues, support relationship building, and assist with training
• Perform other duties as assigned

Commercial Loan Officer

• Oversee and manage a portfolio of non-performing, distressed, and high-risk Residential Transitional Loans and construction loans
• Evaluate, manage, and resolve complex special assets through borrower rehabilitation, loan modification, foreclosure, sale, liquidation, or other resolution strategies
• Develop, implement, and refine workout strategies based on borrower capacity, project status, collateral condition, market dynamics, legal considerations, and risk exposure
• Lead reviews of problem loans, identify emerging risks, evaluate collateral and exit viability, and determine resolution strategies
• Evaluate workout alternatives and recommend loan modifications, extensions, interest reserve adjustments, collateral liquidation, legal action, receivership, foreclosure, deed-in-lieu, OREO disposition, guaranties, and other credit enhancements
• Analyze and recommend impairment reserves and charge-offs in accordance with GAAP, company policy, and regulatory guidance
• Present workout recommendations, risk assessments, and resolution strategies to senior management and capital partners
• Support and guide junior Special Assets team members on loan analysis, workout strategies, negotiations, documentation, and resolution processes
• Oversee OREO assets, including 4-6 unit residential properties under renovation or stabilization; coordinate valuations, property management, construction oversight, and dispositions
• Evaluate collateral value, construction progress, loan documentation, borrower financials, guarantor strength, and project feasibility
• Lead negotiations with borrowers, guarantors, attorneys, brokers, property managers, and other stakeholders
• Maintain oversight of risk ratings, accrual status, Problem Loan Reports, and portfolio reporting
• Monitor housing market conditions, construction costs, liquidity, interest rates, property values, and investor demand
• Collaborate with Legal, Servicing, Production, Underwriting, Asset Management, and other internal teams
• Identify portfolio trends and recommend risk mitigation, process improvements, and performance improvements to leadership
• Exercise independent judgment on distressed credits and escalate significant risks and material strategy changes
• Represent Special Assets in internal and external meetings
• Assist with strategic initiatives, department goals, processes, and best practices

Senior Special Assets Loan Officer

• Assist Loan Officers while developing skills and knowledge to become a Loan Officer
• Participate in formal online and classroom training programs covering lending, loan types, creditworthiness, and loan approval
• Train with managers on mortgage rate sheets to accurately price and lock loans
• Review daily, weekly, and monthly reports to learn the mortgage process from application through closing
• Update loan applications with missing data
• Maintain notes in the Loan Origination System to ensure complete information exchange
• Occasionally provide initial file setup
• Participate in builder and realtor functions to develop and maintain relationships
• Work with Division Managers and Loan Officers on local marketing campaigns
• Ensure borrowers can reach the team through phone, email, and chat and receive prompt responses
• Act as primary contact between borrowers and Loan Officers
• Schedule and conduct meetings to discuss follow-up issues and required items
• Assist processors and closers in obtaining loan documents from borrowers and other entities
• Engage and assist internal associates through phone, email, and chat

Loan Officer Associate

• Establish and nurture relationships with clients and homebuilding associates through face-to-face interactions
• Conduct on-site meetings with customers, homebuilding associates, and referral sources
• Assess financial data and guide customers on mortgage products
• Facilitate the loan process according to the Lennar Mortgage roadmap
• Strategize and implement outside sales activities
• Generate leads through prospecting and regular visits to communities, realtors’ offices, and relevant locations
• Conduct First Time Homebuyer Seminars
• Develop relationships with New Home Consultants and prospective/current clients
• Participate in builder and realtor functions, status meetings, phase releases, phone banks, and special events
• Explain Company offerings, obtain loan applications, and attend closings
• Recommend mortgage solutions aligned with customers’ financial and individual needs
• Review and lock interest rates at least fifteen days before closing
• Comply with federal, state, and company regulations and guidelines
• Review leads daily and proactively contact prospective customers by telephone and email
• Schedule in-person or virtual meetings
• Maintain timely communication with internal and external stakeholders
• Originate and prepare new loans
• Assist New Home Consultants with customer pre-qualifications and build an outside-sales pipeline
• Meet or exceed closed-loan capture rates, spot-loan objectives, and other sales goals and metrics
• Maintain detailed reports and notes in the loan-origination computer system, including application statuses, customer conversations, underwriting, lock-in information, projected closings, incentives, and expenses

• Originate mortgage loans by promoting and delivering WSECU mortgage and home equity products
• Partner with branch staff and internal teams to serve members’ home financing needs
• Build relationships with branch staff and partners and drive internal referrals
• Price, structure, and disclose loans accurately and in compliance with regulatory requirements
• Meet or exceed individual production and service goals
• Communicate proactively, manage expectations, and ensure timely, high-quality loan closings
• Manage a pipeline of loans and submit complete, accurate loan packages
• Maintain NMLS licensing and stay current on products, systems, mortgage industry trends, and competition
• Participate in required meetings, trainings, and Community Homeownership initiatives
• Support branch and team operations through huddles, staff education, queue coverage, and regular branch presence
• Identify opportunities to enhance processes, tools, and member experience

Loan Officer jobs in United States

Senior Loan Officer

Residential Loan Officer

Commercial Portfolio Loan Officer III – Workout

Loan Officer

Loan Workout Officer

Commercial Loan Officer

Senior Special Assets Loan Officer

Loan Officer Associate

Loan Officer

Loan Officer – Internal