Mortgage Loan Officer at HomeTrust Bank in Roanoke, Virginia

Job Description:

HomeTrust Bank is GROWING!

We have employees throughout North Carolina, South Carolina, Tennessee, and Virginia. HomeTrust Bank ranks among the top 400 U.S. Banks with $3.7 billion in assets as of June 30, 2020 and is the 2nd largest community bank headquartered in North Carolina.  Apply today to take your first steps towards joining this talented population of employees within a growing organization.

Role Summary

Primary responsibilities include the solicitation and origination of mortgage, real estate related and other HomeTrust Bank loan products.  The incumbent counsels borrowers to ensure they acquire a loan product appropriate to their circumstances, assesses the best options for the customer’s needs, and makes appropriate recommendations.  This position analyzes the prospective borrower’s income and debt, counsels borrower on credit record or other problems, and pre-qualifies the borrower.

Key Responsibilities / Essential Functions

• Originates mortgage loans.


• Interviews customers and completes detailed loan application.


• Prequalifies borrowers using standard underwriting procedures.


• Counsels customers on home buying and financing process.


• Develops and maintains personal loan pipeline.


• Works with Loan Processor to facilitate underwriting and processing phases of loans.


• Answers telephone and written inquiries concerning active loans and bank loan offerings.


• Cross-sells financial institution products and services as appropriate.


• Provides disclosures to borrower including Truth in Lending and Good Faith Estimates.

Your Experience

• High school diploma or equivalent required.


• College degree in related field preferred.


• 3+ years of experience required as a retail loan originator, processor, sales assistant or equivalent experience with a proven sales record.


• Good basic computer skills.


• Must be bondable, and valid driver’s license required.


• Ability to understand and use bank loan policies and procedures to support positive customer interactions.


• Ability to communicate effectively with customers, staff, and the general public in a positive, problem solving manner.


• Ability to listen to and convey accurately and quickly, detailed information, important instructions and/or ideas.


• Ability to think and act independently within guidelines and limitations of bank policy and assigned personal authority.

Work Environment/Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job.  HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.


• While performing the duties of this job, the employee is regularly required to talk or hear.


• Physical activity requiring reaching, sifting, lifting, finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.

DISCLAIMER:  HomeTrust Bank is an evolving company.  As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job.  While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank is an equal opportunity employer.  We are committed to providing equal employment opportunities for all employees without regard to sex, race, color, religion, national origin, age, disability, sexual orientation, genetic information, or veteran status.

See Job Description.