Mortgage Banker (Loan Officer)

Join Rosedale Bank and Be a Part of OUR STORY

At Rosedale Bank, we pride ourselves on being a community bank. We are a highly successful, growing financial institution with a rich 117-year history, over $1 billion in assets, 13 retail branch locations in MD, and approximately 150 employees. Our culture, strategic vision, and core values center around community , both internal and external. We believe what sets us apart is our strong commitment to our people - employees, customers, and communities – with a focus on employee engagement and recognition, work / life balance, growth and development opportunities, personal connections, delivering an exceptional personal touch customer experience, charitable giving, employee involvement in our communities, financial literacy, and so much more.

About the Job

We are currently seeking a Mortgage Banker to join our Residential Lending team.  The Mortgage Banker is responsible for originating residential loan applications primarily sourced through internal bank referrals, working with customers and prospective customers to assist them in identifying and securing a mortgage loan that is appropriate for their individual financial circumstances. This position is critical in assisting Rosedale Bank to achieve the strategic initiatives of increasing consumer and residential lending and meeting the Bank's sales and service objectives. The Mortgage Banker provides guidance and support to Rosedale Bank's retail branch network, serving as a resource for mortgage-related inquiries and product training.

In this position you will :

• Originate and manage mortgage loan referrals generated through the retail branch network, marketing campaigns, online inquiries, or internal referrals, ensuring timely follow-up and conversion.
• Actively support the retail branch network by building strong relationships with branch staff, educating them on mortgage offerings, providing productive sales and services techniques, and serving as a resource for mortgage-related inquiries.
• Conduct borrower consultations to assess financial needs, ascertain their capacity to repay, assess the degree of risk involved and recommend appropriate loan products. Analyze customer's financial status, credit and property evaluation to determine the feasibility of granting a loan.
• Guide customers through the mortgage loan process from application to closing, maintaining communication and ensuring a smooth and positive experience.
• Maintain and manage a pipeline of active loans and maintain accurate records of client interactions and loan progress using CRM and loan origination systems.
• Proactively generate new mortgage business through personal networking, community involvement, and outreach efforts.
• Meet or exceed monthly and quarterly loan production goals.
• Perform consumer loan, home equity line of credit, and home equity loan settlements with customers.
• Cross promotes other services and financial products of Bank to potential and existing customers, as needed.

This list of essential functions is not necessarily exhaustive and may be supplemented, or otherwise revised by the employer, at its sole discretion.

What we are looking for :

WORKING CONDITIONS / PHYSICAL REQUIREMENTS

Benefits you will enjoy :

We are an equal opportunity employer. Employment selection and related decisions are made without regard to race, color, religion, sex or gender (including pregnancy), age, marital status, disability, national origin, veteran status, sexual orientation, gender identity, genetic information or any other protected class.