Mortgage Banking Professional

2 weeks ago

Sacramento, California, United States City National Bank Full time
About the Role

We are seeking a highly skilled External Loan Officer to join our Mortgage Banking team at City National Bank. As a key member of our team, you will be responsible for originating residential mortgage loans by developing business relationships with real estate professionals, builders, and other potential referral sources.

Key Responsibilities
  • Proactively identify and engage potential borrowers through networking, referrals, and community involvement.
  • Establish and maintain relationships with real estate agents, builders, financial planners, and other key referral sources.
  • Use proactive, consultative sales skills and strategies to identify client needs, quantify service/product benefits, and present recommendations to targeted clients and prospects.
  • Conduct regular market visits and meetings with referral partners to build a strong referral base and ongoing sustainable business relationships.
  • Attend industry events, open houses, and community events to generate new business opportunities.
  • Consult with potential borrowers to assess their financial situation and mortgage needs, educating them on available mortgage products, interest rates, terms, and costs.
  • May identify business opportunities and solicit referrals of other Bank products or services from existing clients, referral sources, and other professionals in the industry.
  • Assist clients in completing mortgage loan applications and gathering necessary documentation for the fulfillment and completion of the loan cycle, communicating periodic updates to all parties in the transaction.
  • Ensure that all mortgage loan applications and documentation comply with Federal, State, and CNB regulations, keeping accurate and organized records of all client interactions and loan applications.
  • Negotiate transactions, price loan products within targeted rate of return, coordinate the documentation and closing of loan transactions, and ensure conformance with Bank policy and regulatory requirements.
  • Exercise sound credit and risk judgment in recommending loans for approval, coordinating the cross-selling of other products and/or services as necessary.
Requirements
  • High School Diploma
  • Minimum of 3 years mortgage lending experience
  • Minimum of 3 years business development/direct sales experience required
  • SAFE Act Registration
Preferred Qualifications
  • Bachelor's degree highly preferred
  • Excellent communication skills, both written and verbal
  • Proficient in Microsoft Office programs
  • Excellent customer service skills
  • Prioritizes and plans work activities, completes work in a timely manner, and strives to increase productivity
  • Ability to work well under pressure, use discretion when handling sensitive personal information, and multi-task and manage deadlines
Compensation and Benefits

Starting base salary: $32,000 - $45,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable, and inclusive working environment where differences are valued and encouraged.

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