Mortgage Credit Analyst jobs in Albany, GA

Are you a highly motivated individual with experience in Mortgage Loan Origination?! Join our team! The MLO will target the following areas in the state: Worth, Tift, Colquitt, Berrien, Cook, Brooks, Lanier, Lowndes, and Echols counties.

The MLO serves current and prospective customers with sound residential mortgage credit according to Association policies and procedures. They will build business development strategies, develop customer relationships and provides loan servicing. They operate within delegated lending authority.   

Sales, Business Development & Marketing

• Makes calls on prospects using a weekly sales plan to include a specific goal for numbers of prospects contacted and closings.
• Develop customer relationships by proactively researching customer needs, uses discretion and independent judgment in understanding customer needs, and matching products and services to those needs. 
• Pursue cross-sell opportunities with existing members.
• Documents all sales activities in Association’s Customer Relationship Management tool.
• Creates and maintains relationships with centers of influence to increase referral business. 
• Represents AgGeorgia at Trade Shows, local events, realtor meetings, civic organizations, etc. 
• Interview applicants, gathers and reconciles complete, accurate credit and financial data
• Serves as a courier between customer, Association, and third-party investor as needed – picking up payments, documents, etc.
• Promptly address inquiries from existing customers and prospects and ensures all Association contacts are treating customers’ requests with a sense of urgency.

Credit Administration

• Establish and negotiate credit terms, when necessary.
• Order collateral appraisals as needed or applicable. 
• Communicates credit decision to loan applicants with a working knowledge of traditional underwriting practices
• Assure sound loans; appropriate documentation and underwriting; appropriate pricing and fees based on risk, terms, and servicing costs; and implementation of business plans in accordance with overall AgGeorgia objectives. 
• Communicates effectively on loans requiring underwriting through the third-party investors, relaying pertinent information, and providing proper documentation to support an accurate recommendation. 
• Ensure loans are approved per delegated authorities.
• Participate in various seminars and training to maintain and enhance credit skills.
• Ensures compliance with all required disclosures.
• Provide guidance to other Association staff on Residential Mortgage Requirements

Loan Servicing

• Monitor specific, individually assigned loans and assures that the loans receive timely and sound servicing.
• Service loans in portfolio to retain high level of credit quality.
• Reviews progress of loans on a periodic basis.
• Call on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems as needed

Other Duties as Assigned

• Other duties and responsibilities as assigned, which may include specific projects.

Knowledge, Skills, and Abilities

• Education and/or experience equivalent to a Bachelor’s degree. 
• 5 years residential mortgage lending related work experience preferred.
• Ability to communicate (written and verbal) effectively with all levels of the organization.
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association.
• Travel via auto to carry out essential responsibilities of the job.
• Ability to work independently and as a team member under moderate supervision.
• Excellent computer skills.
• Contributes to building and maintaining a positive team atmosphere.
• Focus on problem solving skills with solutions-driven results.
• Supports diversity and inclusion.
• Knowledge of Farm Credit Association policies and procedures.
• Current awareness of economic developments and production technology affecting home lending in the region.