MORTGAGE LOAN OFFICER - Mt. Pleasant, SC

Overview: Position Type Full Time Education Level 4 Year Degree Category Banking

Description: Coastal States Bank was founded on the relationships we build with each other and the communities we serve. At Coastal States Bank, and our subsidiary Coastal States Mortgage, we seek dedicated individuals who will strive to provide excellent customer service and help us achieve our values. This position requires full-time hours Monday through Friday. This position is not fully remote or hybrid. The work location is within our corporate office on Galleria Parkway. Pay is commensurate to experience in banking experience within BSA. Only qualified candidates will be contacted.

Benefits Include: 401(k) & Company Match AD&D insurance Bankers School Career Planning Dental Insurance Disability Insurance Employee Assistance Program Flexible Spending Account Medical Insurance Health Savings Account Life Insurance (Dependents & Spouse) Paid Family Medical Leave Referral program Vision Insurance

Position Summary: The Mortgage Loan Officer is responsible for originating residential 1st mortgage loans. The MLO originates 1st mortgage products including Conventional, FNMA/FHLMC, FHA, VA, USDA Rural Housing, Jumbo and Portfolio loan products. The MLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise borrowers of product, pricing and loan program guidelines, and gather any additional required information. The MLO ensures exceptional customer service by maintaining thorough knowledge of mortgage loan programs, policies, procedures and regulatory requirements.

Qualifications: Preferred Education/Experience/Software: Bachelor's Degree in related field or 2-5 years of experience within the business, accounting or financial services industry is preferred. Two to three years of Mortgage Loan Origination and/or sales experience. The ability to cross sell bank products with an emphasis on relationship banking is required. Knowledgeable in a wide range of Microsoft Office software applications. Proficient with applicable bank and mortgage systems. Training:

• Responsible for the timely completion of all required compliance training such has BSA, Information Security, and other job specific training as assigned.
• BSA Compliance:
• Complies as required with relevant Bank policies and procedures related to BSA, including capture of required CIP data and informing management and compliance staff of potential suspicious activities.

Additional Requirements: This position is subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in your immediate termination.

Work Environment/Physical Demands: Professional office environment. While performing the duties of this position, the team member is regularly required to operate standard office equipment. The team member is frequently required to communicate and perceive. The position is primarily stationary and not substantially exposed to adverse environmental conditions and requires sedentary work such as exerting up to 10 pounds of force 5% of the time and a negligible amount of force approximately 95% of the time.