Banking Professional

2 months ago


Cedar Falls, Iowa, United States First Bank Full time
Job Summary

We are seeking a highly skilled Mortgage Lender to join our team at First Bank. As a Mortgage Lender, you will be responsible for soliciting, generating, originating, and closing real estate loans. This role requires strong communication and interpersonal skills, as well as the ability to work closely with customers, mortgage companies, and internal teams to originate and close mortgage loans.

Key Responsibilities
  • Mortgage Loan Portfolio Management:
    • Meet with customers to gather relevant information and input it into mortgage software programs.
    • Lead customers through the mortgage loan process, providing prompt, courteous, and knowledgeable service, and preempting issues when possible.
    • Work closely with the Central Loan Processing department to complete the mortgage loan process.
    • Communicate and work with representatives of various outside organizations, including mortgage companies, PMI companies, realtors, attorneys, etc., to complete the mortgage process.
    • Complete the underwriting process and make loans within bank guidelines, including determining the rate, fees, and ensuring all necessary underwriting is completed.
    • Complete the loan closing process with the customer and submit final documents.
    • Control past due loans on the real estate portfolio by maintaining current mortgages and collecting delinquent payments.
  • New Business Development:
    • Generate new mortgage loan volume for the bank by soliciting new business relationships and deepening relationships with existing customers.
    • Solicit business from current and potential customers through various means, including in-person meetings, etc.
    • Network and create connections with realtors, brokers, builders, and other influencers to obtain customer referrals.
    • Refer customers to other departments of the bank for services that could benefit them.
  • Other:
    • Stay up-to-date on the mortgage industry.
    • Work as one collective bank team and assist in other departments as needed.
    • Perform other duties as assigned.
Requirements

To be successful in this role, you must be able to communicate effectively, have great attention to detail, and the ability to network and build relationships. At least 2 years of lending experience and the ability to obtain or transfer NMLS certification are required.


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