Mortgage Community Development Loan Officer

2 weeks ago

Waukesha, United States Bell Bank Full time
Mortgage Community Development Loan Officer

If you love sales and are passionate about helping others purchase their dream home, consider a career with Bell Bank's mortgage team. You will work with colleagues in a first class culture that provides a family atmosphere, enjoy great benefits and provides a high level of service that makes each mortgage run smoothly - by sending closing packages five days before the closing, in-house underwriting and processing and having a support team to allow you to work efficiently.

Company Information:

Bell Bank Mortgage is backed by the financial strength of one of the nation's largest independently owned banks. Founded in 1966 in Fargo, North Dakota, Bell Bank has more than $10 billion in assets and full-service banking locations in Arizona, Minnesota and North Dakota. Bell has empowered more than $26million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Originally founded in 1880 by early Minneapolis civic leader David C. Bell, Bell's mortgage division today has thousands of family mortgages to its name. Bell Bank Mortgage has been in Arizona since 1997 and is actively expanding, most recently opening locations in New Mexico and several other regional offices.

Bell Bank has been recognized as a top bank and a top financial workplace by American Banker, Forbes and Fortune, and has been named among America's top mortgage employers by National Mortgage Professional magazine.

If you want to work for a strong, growing, forward-looking organization with world-class employees, this is the place for you.

Bell's Values:

As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:
  • Promoting and sustaining our family atmosphere.
  • Providing unequaled personal service to each and every customer.
  • "Paying it forward" by giving back to the communities we serve.
Our Bottom Line:

Happy Employees Happy Customers

Job Summary:

The Mortgage Community Development Loan Officer is focused on growing and developing homeownership opportunities for low-to-moderate income (LMI) individuals, families and communities of color. Under minimum supervision, this position will originate and be an area market expert for loans that meet regulatory, investor and bank portfolio guidelines; including but not limited to Housing Finance Agency, first-time homebuyer, affordable lending and down payment assistance programs.

The Mortgage Community Development Loan Officer will lead and coordinate community development activities and build and maintain strong relationships with nonprofit organizations, other community partners, and bank partners. This position is a community connector that is driven by the goal of supporting financial empowerment and generational wealth building by providing successful and sustainable homeownership opportunities with a focus on closing the homeownership disparity gap. This role reports to the Area Manager with dotted line to the National Community Development Manager.

Primary Duties:

Mortgage Loan Originations
  • Originate compliant mortgage loans with a focus on, but not limited to, LMI and communities of color:
    • Responsible for knowing and complying with all Federal and investor regulations, requirements, and bank policies.
    • Gather all information necessary for documentation, analysis, disclosure and underwriting loan applications
    • Advise customers on mortgage loans that are appropriate for their individual financial circumstances.
    • Maintain high standards of client satisfaction and quality, and ensure sales/originator systems and workflows are efficiently controlled.
    • Ensure loans in process are moving through the pipeline by regularly reviewing pipeline, communicating with borrowers and processors on additional items needed, interacting with title companies, realtors, attorneys, etc.
    • Manage client referrals to ensure all new customers are introduced to local branches and other appropriate business lines.
  • Originate a minimum of 3 loans per month or 36 loans per year.
Community Development (approximately 1/3 to 1/2 of time)

Community Engagement, Outreach and Training
  • Develop and maintain strategic relationships with community partners.
  • Maintain list of key strategic community partners.
  • Conduct financial wellness, homebuyer education workshops, and homeownership seminars with local community and affordable housing partners.
  • Represent Bell at community focused events and meetings.
  • Coordinate and staff Bell Sponsored, community and partner events and activities for the market area (e.g., housing fairs, community event vendor booths, nonprofit events, etc.).
  • Track and report out on all community development activities (date, event/training, targeted market reached, est. # of attendees, evaluation, notes, etc.)
  • Attend affordable homeownership programs and services educational seminars, trainings, and workshops.
  • Attend Bell enterprise-wide Community Development trainings.
Market Area Community Development Goals and Activities:
  • Be accountable to goals set out in the market area Community Development (CD) Business Plan.
  • Track goal progress and report out to leadership.
  • Track industry and production trends and propose adjustments to the CD Business Plan and goals as needed.
  • Track and measure against CRA and/or Fair Lending targets for the market area.
    • % of mortgage originations in LMI and minority communities.
    • % of Mortgage originations to LMI and minority borrowers.
  • Develop strong relationships and communication channels with Bell partners (e.g., Bell Bank, Community Reinvestment Act (CRA), Operations, Compliance, etc.).
  • Participate in regularly scheduled meetings with Bell partners and provide updates, training, or report outs as appropriate.
  • Communicate local Community Development training and volunteer opportunities to area staff.
  • Recognize, share and celebrate Community Development stories and successes
  • Be a Community Development and Diversity, Equity and Inclusion champion.
  • Know by name and face as many partners, customers and employees as possible, calling them by name as often as possible.
  • Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
  • Know, understand, and live the company values and bottom line.
  • Perform other duties as assigned.
Job Skills Required:
  • Preferred three (3) years experience as a loan officer in first mortgage production.
  • Thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
  • Demonstrated experience with Affordable Lending products.
  • Proven experience in supporting Community Reinvestment Act (CRA) and Fair Lending goals.
  • High School Diploma, Bachelor's degree in business related field, or equivalent experience.
  • Working knowledge of Community Reinvestment Act, FNMA, FHLMC, FHA, VA, local state housing programs, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate, finance laws, regulatory compliance and investor guidelines.
  • Excellent written and oral communication skills and ability to work in a team environment.
  • NMLS registration.
  • Proficient in sales and service skills; including tele-consulting, prospecting, networking and COI relationship management.
  • Strong computer skills and experience utilizing laptop technology
  • Ability to work independently with limited supervision.
  • Ability to strategically plan to market and develop business contacts.
  • Excellent customer service skills.
  • Ability to travel to and work occasional evenings and/or weekends to participate in or attend community events or meetings.
  • Ability to travel to different branches and to off-site meetings to meet with clients or co-workers.
  • Bilingual or multilingual preferred.

Lifting Requirements:
  1. Sedentary work - Exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Roles are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Bell Bank provides competitive compensation and an excellent benefits package.

Bell Bank

Equal Opportunity Employer

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