Careers

Home Mortgage Loan Officer – Fort Lee, NJ
Full-Time / On Site

We are a growing, dynamic bank looking to expand our mortgage lending capabilities. As we create a new department dedicated to delivering exceptional mortgage services to our clients, we are looking for experienced and motivated individuals to join our team. This is an exciting opportunity to be part of an evolving department with the potential to make a significant impact on our operations and customer satisfaction.

Job Summary

We are seeking a highly skilled and knowledgeable Home Mortgage Loan Officer to join our newly established Home Mortgage Department. In this role, you will be responsible for evaluating and analyzing mortgage loan applications, ensuring compliance with both internal policies and regulatory requirements. The ideal candidate will have a strong background in residential mortgage underwriting, in-depth knowledge of home mortgage policies and procedures, and comprehensive knowledge of mortgage compliance. Your expertise will play a key role in helping to build and maintain the department’s success.

Key Responsibilities

• Review and analyze loan applications to determine applicant eligibility and assess creditworthiness based on established underwriting guidelines.
• Ensure all required documentation is complete and meets regulatory and company standards, paying special attention to compliance with federal, state, and industry regulations.
• Evaluate risk factors associated with loan applications, ensuring compliance with lending policies, regulatory requirements, and bank guidelines.
• Work with internal teams, including loan officers, processors, and other stakeholders, to resolve any discrepancies or issues in the loan application process.
• Effectively communicate loan decisions to applicants and internal stakeholders, providing clear reasoning for approvals, denials, or additional requirements.
• Maintain thorough knowledge of home mortgage policies and procedures to ensure consistency and compliance with underwriting standards.
• Stay up-to-date with changes in regulatory requirements, industry guidelines, and best practices, ensuring the underwriting process remains compliant.
• Assist in developing, refining, and ensuring adherence to the department’s underwriting policies and procedures.
• Identify areas of improvement in the underwriting process and suggest changes to improve efficiency, compliance, and quality control.

Job Requirements:

• 5+ years of experience in residential mortgage underwriting, with experience in FHA, VA, and conventional loans preferred.
• Strong knowledge of home mortgage policies, procedures, and compliance requirements, including familiarity with government regulations (e.g., RESPA, TILA, HMDA).
• In-depth understanding of underwriting guidelines and loan documentation requirements for various mortgage products.
• Proven experience in ensuring compliance with both internal and external regulatory standards and industry best practices.
• Excellent analytical skills and decision-making abilities with a keen eye for detail.
• Strong communication skills, both written and verbal, with the ability to effectively explain complex underwriting decisions to clients and team members.
• Ability to work independently, prioritize tasks, and meet deadlines in a fast-paced, dynamic environment.

Location: 222 Bruce Reynolds Blvd., Fort Lee, NJ, 07024 

Salary Range for this full-time position: $90,000 to $100,000

 To apply, please submit your resume and a cover letter to: careers@hanabank.us.

• Conduct thorough investigations of alerts generated by the bank’s transaction monitoring system, including Quality Assurance secondary review. 
• Assist in preparing and filing Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs).
• Perform enhanced due diligence (EDD) reviews to identify and assess potential risks.
• Monitor high-risk accounts and activities to detect patterns indicative of suspicious behavior.
• Ensure compliance with the Bank Secrecy Act (BSA), USA Patriot Act, and other applicable laws and regulations.
• Execute Know Your Customer (KYC) reviews for both new and existing customers, ensuring all documentation is complete and accurate.
• Identify and escalate discrepancies or incomplete KYC documentation to senior team members.
• Conduct screenings of customer records, transactions, and other activities against OFAC and other sanction lists.
• Investigate potential matches to determine whether they constitute true hits and document findings accordingly.
• Deliver operational and administrative support to branches to ensure seamless adherence to compliance processes.

• Bachelor’s degree in Finance, Accounting, Legal, or a related field.
• 3 years of experience in BSA/AML compliance, OFAC screening, transaction monitoring, or related roles within the financial industry.
• Strong understanding of BSA/AML regulations, OFAC requirements, and KYC/CIP standards.
• Proficiency in Microsoft Office Suite (Excel, Word, and PowerPoint).
• Exceptional analytical, organizational, and communication skills.
• Ability to work both independently and collaboratively in a team setting.
• CAMS certification is preferred but not required.

• Minimum 3+ years branch management and operations experience; Assistant Branch Manager experience preferred  
• Working knowledge of bank products, banking regulations and compliance
• Knowledge of online cash management a plus
• Experience in Jack Henry & Associates (JHA) Silverlake system and Banno Online a plus
• Excellent customer service and community relations experience
• Proficiency in Microsoft Office
• Expertise in staff training and development
• Business development skills with proven sales record
• Strong leadership, communication and organization skills; ability to work independently
• Bachelor's Degree or equivalent work experience
• Adaptability, flexibility and ability to work branch hours, including weekends and some evenings
• Bilingual proficiency in Korean and English (both verbal and written) is required

• Engage with customers and prospects to assess their financial goals and needs and recommend tailored products and services to fulfill those needs
• Maintain strong product and sales knowledge and champion our core service values
• Provide sound advice at every customer interaction to create a positive customer experience and ensure that the customer’s financial needs are met
• Provide top-notch customer service and exceed customer expectations, especially when dealing with more complex transactions
• Participates in community events to increase bank visibility and develop business opportunities
• Promotes and cross-sells products and services, and participates in joint calls with other departments (i.e. loan referrals, etc)
• Handles and resolves all client inquiries and concerns to satisfactory resolution and in a timely manner
• Maintain current knowledge of all Federal and State laws and regulations, along with complying with the Bank’s policies and procedures
• Perform both teller and customer service duties as needed to manage traffic flow during peak times based on where assistance is needed
• Processes teller transactions in an accurate and timely manner including and not limited to deposits, withdrawals, payments, transfers, check cashing, negotiable instruments, ATM balancing, and balance cash drawers
• Processes and validates accuracy of coin and currency amounts related to incoming and outgoing cash shipments
• Perform customer service duties including and not limited to account opening, safe deposit box, stop payments, wire transfers, and address changes
• Performs account changes to existing accounts as requested by clients
• Processes assigned reports and/or job duties in an accurate and timely manner
• Participates in branch staff meetings and training
• Perform other duties as necessary to ensure safety and soundness of the retail branch operations