Mortgage Banker

Description
Position Summary
Mortgage Banker originates a portfolio of Government, Conventional and other mortgages. Works with customers to understand their lending needs and explains loan options. Inputs loan applications generated by the officer as well as those from the branches and bank website. Focuses on expanding relationships with current customers within our communities as well as the development of new loan opportunities by nurturing relationships with Branch Managers, staff, and referral sources.
Essential Functions
Originate a portfolio with Government, conventional mortgages, home equity, Land and construction loans
Maintain loan portfolio, while seeking and identifying cross-selling opportunities
Works with Branch Managers and staff on accepting applications and identifying referral opportunities
Develops and nurtures core referral sources through continuous business development efforts within our local markets
Works closely with Operations in the processing and closing of loans.
*Must be able to obtain an NMLS certification.
Travel/Coverage Area
The Mortgage Banker position will require some travel to make sales calls on referral sources as well as attending mortgage loan closings off-site. The position will also require the originator to operate out of the Ada and/or Cascades Offices and will cover the territories surrounding our current branches in the greater Grand Rapids area.
Other Functions
Other duties assigned from time to time by the Director of Mortgage Banking
Adhere and comply with all bank policies.
Familiar with and abides by all bank regulations including but not limited to BSA and OFAC.
Working Conditions of the Job
Stationed at desk 25% of working time.
No particular hazards.
No unusual or physical exertion required.
Requirements
Job Qualifications
Ability to work independently
Be thorough and very detail oriented
Decision making skills
Good communication and follow-up skills
Ability to understand and analyze borrower's financial information (ie...tax returns, balance sheets)
Customer relationship building skills
Knowledge of the current mortgage industry (including mortgage regulations and laws)
Professional appearance and manner
Education & Work Experience
2 or more years of mortgage lending experience
High School Diploma/GED required; Bachelor's Degree or some advanced education preferred
Established referral sources and customer base in Grand Rapids/West Michigan market preferred

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