Pioneer Bank - Compliance Assistant

Careers at Pioneer Bank

Pioneer Bank
Mortgage Loan Officer
Job Code: 772
Status: Nonexempt

Job Description
Department: Mortgage Lending
Reports to: Chief Lending Officer 
Salary: This is a salary and commission position
Summary: Originates residential first mortgage loans, promotes the financial institution and its lending services to the real estate community’s financial needs through home loan counseling, real estate agent seminars and sales meetings, and by participating in and promoting the financial institution’s community activities.
Job Requirements:
  • Experience in a financial institution or loan office setting.
  • Energetic and outgoing, good sales, organizational, and interpersonal skills.
  • Good oral and written communication skills in order to effectively communicate with customers and real estate agents about the financial institution’s loan programs and policies.
  • Ability to learn and follow financial institution policies regarding lending procedures.
Specific Job Functions:
  • Solicits first mortgage loans. Informs prospective loan clients of the financial institution’s underwriting guidelines and applicable government regulations.
  • Personally interviews all loan applicants.
  • Completes each loan application and all pre-processing functions in a timely manner to permit the good faith estimate to be mailed within the requested three business-day period.
  • Screens loan requests based on financial institution policies and on types of loans offered by the institution.
  • Orders appraisals, credit reports, background checks, reference checks and other information as needed on residential loan applicants.
  • Personally answers incoming phone calls and schedules appointments.
  • Communicates complex approvals or denials to the borrower.
  • Distributes market data, rate flyers and general loan information to the real estate community as directed by financial institution management.
  • Promotes and participates in the financial institution’s special credit programs and other CRA programs. Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers and prospects.
Physical demands and work environment:
The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Physical demands: While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; climb stairs; balance; stoop, kneel; talk or hear. The employee must occasionally lift and/or move up to 15 pounds. Specific vision abilities required by the job include close vision, distance vision, peripheral vision, depth perception, and the ability to adjust focus.
  • Work environment: While performing the duties of this job, the employee is exposed to weather conditions prevalent at the time. The noise level in the work environment is usually minimal.


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