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Community Lender
2 months ago
The Community Lender plays a pivotal role in fostering relationships with Low-to-Moderate Income and Majority Minority customers, adhering to company policies and established Standard Operating Procedures (SOPs).
Key Responsibilities- Manage the Mortgage Loan Origination process, ensuring accurate, efficient, and timely handling from loan application receipt to closing.
- Monitor and manage the pipeline for all originated loans to ensure closure within the rate-lock period.
- Ensure compliance with state and federal regulations while meeting sales and community development goals.
- Maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry).
- Represent Horizon Bank in a courteous, professional manner through face-to-face, written, telephone, and virtual communications.
- Adhere to compliance standards, including Bank Secrecy Act (BSA), quality of documentation, timeliness, and volume of loans closed.
- Identify financial objectives and refer clients to other bank services.
- Protect customer and account information confidentiality.
- Promote Horizon Bank's commitment to the communities served through participation in community activities, coordination of community development efforts, and promoting involvement in community service organizations in compliance with the Community Reinvestment Act.
- Develop and execute effective marketing plans serving low-to-moderate income areas to meet or exceed mortgage loan production and small business referral goals.
- Participate in key community events, such as chamber of commerce meetings, non-profit, and community-focused organizations, and service clubs in the specified target market to identify financial needs and offer bank product solutions.
- High school diploma or equivalent with a minimum of 3 years of residential mortgage loan experience.
- College degree in business, finance, or a related field of study is preferred.
- Basic knowledge of agency guidelines and industry standards as they relate to retail mortgage lending, conventional, lot, construction, and FHA/VA/USDA/Portfolio loan programs.
- Adaptability and flexibility.
- Decision-making and judgment.
- Relationship building.
- Attention to detail.
- Prospecting and referring.
- Accountability.
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA).
Physical Demand:
Percentage of Time:
Communicate with customers, advisors, and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100%
Able to verify authenticity of financial instruments, forms, documents, and signatures. Able to verify identity of customers, vendors, and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100%
Able to grasp, move, and sort forms and papers. 90-100%
Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer, and telephone. 90-100%
Able to remain stationary at a desk for long periods of time. 75-100%
Regularly move about the office to access file cabinets, storage drawers, and various office equipment. 75-100%
Occasionally position self to reach heights between floor and 6'. Travel to customer homes, businesses, community events, and closing locations as required to meet or exceed referral, customer service, and sales goals. 25-75%