Community Lending Officer

3 weeks ago

Bellevue, Washington, United States Northwest Bank Full time
Job Summary

The Community Lending Officer is a key role at Northwest Bank, responsible for originating new CRA qualifying residential mortgage and small business relationships through internal and external sources in an assigned geographic area. This individual will participate in providing financial education, working with non-profit and professional organizations, and local, state, and federal agencies to promote homeownership, small business, and community development opportunities.

Key Responsibilities

* Ensure compliance with third party agencies and vendors
* Provide exceptional customer service experience throughout the loan origination process
* Interact with other team members and other departments in a professional manner
* Submit complete credit applications with supporting documentation
* Develop and maintain successful relationships with internal and external referral sources
* Prospect new mortgage, small business, community development loans
* 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
* Facilitate communication activities with customers and referral sources during loan origination process
* Review applications, credit files, and customer qualifications to determine appropriate loan products and pricing
* Counsel and coach loan applicants to assist them towards their goals and to deliver the best loan products for their needs
* Request timely loan rate locks for Secondary Marketing
* 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
* Achieve production and quality goals
* Cross-sell other Northwest products and services to loan applicants
* 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
* Work with marketing to create/suggest advertising and promotional materials
* Conduct and participate in staff meetings as appropriate regarding CRA qualifying lending products
* Conduct direct business calls / referrals as outlined in the CRA Program
* Develop and maintain community presence and involvement
* Ensure growth in revenue producing products and services
* 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
* Actively participate in community affairs
* 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
* Educate prospective clients about the Bank's underwriting guidelines, SBA programs and all applicable government regulations.
* Manage Business Banking SBA portfolio of both credit and noncredit clients.
* Make loan presentations and recommendations to Credit, team leaders and senior line of business managers as required
* Organize, create, and provide financial education through participation in Home Buyer seminars and presentations.

Requirements

* Bachelor's Degree in Business, Finance, or related subject or equivalent experience preferred
* 3-5 years Mortgage origination or sales experience
* 3-5 years Lending / Banking experience
* 3-5 years Supervisory Experience
* Customer Service Experience
* 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
* 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
* Nmls Registry Per the SAFE Act, annual renewal as a condition of employment Within 3 months

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