Community Lending Officer

We are seeking a highly motivated and experienced Community Lending Officer to join our team at Northwest LLC. As a key member of our lending team, you will be responsible for originating new CRA qualifying residential mortgage and small business relationships through internal and external sources in an assigned geographic area.

• Proactively solicit and originate new CRA qualifying residential mortgage and small business relationships
• Participate in providing financial education and working with non-profit and professional organizations to promote homeownership, small business, and community development opportunities
• Advise customers on deposit products and services offered by the bank and promote the growth and profitability of the bank
• Work closely with regional management, retail and small business lending, and other operational areas to seek new accounts through outreach, calling efforts, marketing, and referrals

1. Ensure compliance with third party agencies and vendors
2. Provide exceptional customer service experience throughout the loan origination process
3. Interact with other team members and departments in a professional manner
4. Submit complete credit applications with supporting documentation
5. Develop and maintain successful relationships with internal and external referral sources
6. Prospect new mortgage, small business, community development loans
7. Develop relationships with community organizations, MLOs, commercial and small business lenders to improve lending to LMI individuals and within LMI and high minority census tracts
8. Facilitate communication activities with customers and referral sources during loan origination process
9. Review applications, credit files, and customer qualifications to determine appropriate loan products and pricing
10. Counsel and coach loan applicants to assist them towards their goals and to deliver the best loan products for their needs
11. Request timely loan rate locks for Secondary Marketing
12. Maintain up-to-date knowledge of loan products including conventional, portfolio, FHA, VA, USDA-Rural Housing programs and secondary market rules; including SBA, Habitat for Humanity, and tax-credit opportunity loans
13. Achieve production and quality goals
14. Cross-sell other Northwest products and services to loan applicants
15. Responsible for ensuring that they consistently provide the best customer experience possible, and for participation and support of all aspects of the Bank's adopted sales process
16. Work with marketing to create/suggest advertising and promotional materials
17. Conduct and participate in staff meetings as appropriate regarding CRA qualifying lending products
18. Conduct direct business calls / referrals as outlined in the CRA Program
19. Develop and maintain community presence and involvement
20. Ensure growth in revenue producing products and services
21. Develop new and expand existing small business loan relationships within LMI and high minority census tracts, residential loan relationships within LMI and high minority census tracts, deposit relationships within LMI and high minority census tracts, and partnerships with Branch managers, cash management Advisors and Trust and Investment Advisors to promote additional business opportunities and profitability for the Bank
22. Actively participate in community affairs
23. Quickly establish a consistent SBA business development cadence in the marketplace which includes but is not limited to, Call Planning and Follow-Up, Client Retention Calls, New Client Prospecting, Outbound Telephone Calling Efforts, Networking Events
24. Educate prospective clients about the Bank's underwriting guidelines, SBA programs and all applicable government regulations
25. Manage Business Banking SBA portfolio of both credit and noncredit clients
26. Make loan presentations and recommendations to Credit, team leaders and senior line of business managers as required
27. Organize, create, and provide financial education through participation in Home Buyer seminars and presentations
28. Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
29. Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
30. Complete other duties and special projects as requested
31. Participate in presentations as needed

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's Degree in Business, Finance, or related subject or equivalent experience preferred
• 5 years Mortgage origination or sales experience
• 5 years Lending / Banking experience
• 5 years Supervisory Experience

Customer Service Experience

General Employee Knowledge, Skills, and Abilities

• Ability to establish effective working relationships among team members and participate in solving problems and making decisions
• Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written
• Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information
• Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information
• Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas

Additional Knowledge, Skills and Abilities

• Ability to successfully meet production and quality goals
• Knowledge of banking industry laws, regulations, and the retail origination process
• Knowledge of conventional, government loan products and guidelines including Fannie Mae, Freddie Mac, FHA, USDA-Rural Housing and VA loans
• Knowledge of Ellie Mae-Encompass Loan Origination software, Freddie Mac - Loan Product Advisor and Optimal Blue pricing engine
• Knowledge of retail mortgage loan pricing
• Sales skills with the ability to turn prospects into customers
• Strong networking and organizational skills
• Ability to work collaboratively and manage multiple deadlines and priorities
• Applicant should possess knowledge of regulatory and compliance issues
• Proven organizational and communication skills, and the ability to analyze financial data
• Applicant needs to be able to motivate and be a team player

Licenses and Certifications

Nmls Registry Per the SAFE Act, annual renewal as a condition of employment Within 3 months

The pay range for this position is generally $50,000-80,000 per year plus a structured incentive compensation plan. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.

However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information.