Mortgage Loan Officer

Chesapeake Bank-

Join Our Team as a Mortgage Loan Officer

Are you driven by relationships, results, and helping people achieve one of the most meaningful milestones of their lives—homeownership? We’re looking for a Mortgage Loan Officer who brings both financial insight and genuine care to every client interaction.

In this role, you’ll serve as a trusted guide, building strong partnerships within the real estate community while supporting borrowers through an important financial journey. Success in this position comes from a balance of business development, thoughtful problem-solving, and a strong commitment to ethical lending and community involvement.

You’ll join an organization that values professionalism, collaboration, and a proactive approach to serving customers and communities. This is an opportunity for someone who enjoys being client-facing, staying informed in a regulated environment, and contributing to the growth and reputation of a respected financial institution.

Why This Opportunity Stands Out

• A role with meaningful community impact and visible results
• The chance to build long-term professional relationships
• A balance of independent work and cross-team collaboration
• An environment that supports integrity, accountability, and continuous improvement
• A platform to grow your mortgage lending career across diverse markets

If you are motivated by helping others succeed, enjoy working in a dynamic, relationship-driven setting, and want to be part of a mission-focused organization, we encourage you to explore this opportunity further.

Why You’ll Love It Here

Are you ready to build a successful career with a financial institution that excels in the industry and knows how to have fun? Our team is known for high levels of employee engagement, consistently ranking among the top 200 banks in annual external engagement surveys. We offer competitive benefit plans and foster an environment where people genuinely enjoy their work. We support our lending team with strong leadership, collaboration, and a shared commitment to building lasting client relationships. At Chesapeake, we believe we are only as strong as the communities we serve — which is why we give back through volunteer service hours and meaningful financial contributions.

What We Offer

• Competitive salary and comprehensive benefits package.
• Opportunities for professional growth and career advancement.
• A supportive and inclusive work environment.
• The chance to make a significant impact within a dynamic organization.

Ready to Make a Difference?

If you're ready to take your career to new heights and be a key player in our success, apply now and join us in making a difference. Want to read more about why you should join the team? Click the link below:

Top 10 Reason You Should Explore a Career with Chesapeake Bank

Apply today and see how your experience and drive could make a lasting difference.

Summary

Originates mortgage loans, promotes the financial institution and its lending services to the real estate community and helps to identify and serve the 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. Manages the real estate lending process for loan applicants, ensuring that interviews are conducted appropriately and that necessary financial information is on hand for efficient loan processing.

Responsibilities

• Reviews, analyzes and processes residential real estate loan requests and packages loans as necessary, in keeping with financial institution policies and procedures.
• Recommends conditions and terms of residential real estate loans.
• Provides input to management to streamline and improve residential loan service for the benefit of the customer and the financial institution.
• Provides loan status reports on financial institution residential loan products to the Regional
• Executive and presents report in Monthly Sales meetings.
• Offers recommendations and actions to improve loan strategies when necessary
• Interviews residential loan applicants. Obtains and compiles necessary financial information to process loans.
• Responsible for Business Development efforts within the region
• Solicits mortgage loans. Informs prospective loan clients of the financial institution's underwriting guidelines and applicable government regulations.
• 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.
• Remains current with all new and existing regulatory changes in lending
• Researches new legislation and regulations that may affect the financial institution's residential lending policies. Ensures compliance with new rules by advising senior management and implementing appropriate changes.
• Personally, answers incoming phone calls and schedules appointments.
• Communicates complex approvals or denials to the borrower, real estate agent or builder.
• 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.
• Reviews the delinquent loan status for the financial institution, contacting those delinquent account holders through telephone calls, letters and personal visits
• Works with other departments within the financial institution regarding litigation and foreclosure activities.
• Prepares reports on the type and status of delinquent accounts and collection activities undertaken by the financial institution, and rates the accounts according to the financial institution’s procedures.
• Reviews payment lists, maintains departmental files and prepares paperwork on debits, credits and other payments
• Understand your role as defined by the three lines of defense to maintain a compliance culture that includes risk management processes
• Other duties as assigned

Minimum Requirements:

• Bachelor's degree in business or finance or equivalent experience.
• One to two years of experience in a financial institution or loan office setting.
• Extensive knowledge of financial institution policies and procedures.
• Extensive knowledge of residential real estate lending practices and related areas.
• Good communication and public relations skills.
• Good sales, organizational, managerial 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 read and comprehend training materials, financial institution communications and related loan manuals.
• Ability to learn and follow financial institution policies regarding the lending process.
• Familiarity with basic office equipment.

EOE- AA-Vets-Disabled