Mortgage Banker
4 weeks ago
Community Lending Mortgage Banker Role
This position is responsible for sales of first mortgage and concurrent second loan products to existing and potential banking diverse segment clients.
The Community Loan Officer duties include outside sales activities to cultivate new business and expand CNB's client relationships through the sale of mortgage loan products and services, utilizing consultative sales skills in support of sales and business development activities.
The role involves meeting directly with clients to assess client needs and present multiple mortgage product solutions, and ethically marketing and promoting the bank's mortgage products as required in growing the assigned territory.
Regularly and customarily traveling to prospective client and referral source locations (away from CNB offices) to perform sales, business development, and related activities, following up by telephone or electronic mail as needed.
The Community Loan Officer must be in good standing under The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Safe Act) and must be registered/licensed with the Nationwide Mortgage Licensing System and Registry.
Origination of residential mortgage loans and related bank products, expanding the network of referral sources.
Origination, in large part, are to be sourced through professional relationships (example: realtors, attorneys, CPAs, business managers, nonprofits, trade organizations, financial advisors) that fit within the bank's overarching financial and diverse strategy.
Acting as liaison between Bank and customer during processing and underwriting, as procedures dictate, to ensure timely processing and best in industry customer service.
Completing the loan application and related processes with applicants while keeping with Bank policies, procedures, and product guidelines, and with applicable laws, regulations, and accepted business practices.
Forwarding substantially complete application packages to Processing and Underwriting within a system that adheres to TRID requirements.
Pursuing and fulfilling compensation goals within the spirit in which they were designed and with respect to the CNB brand.
Staying abreast of sales and business development techniques, product offerings, legal and regulatory requirements, and industry and real estate trends.
Acquiring and maintaining proficiency in the use of the specific software systems utilized by the bank directly and indirectly related to mortgage originations.
Attending regularly scheduled sales meetings, training sessions, and Bank functions.
Performing other duties as requested or assigned by management, such as special projects within the Residential Lending Division.
Fostering and maintaining active relationships with civic organizations within assigned territories for community service and business development purposes.
Commitment to work of nonprofit organizations and making a positive impact in the community.
Increasing mortgage loan volume, primarily focusing on underserved communities and low to moderate income consumers and geographies or targeted areas.
Minimum 5 years of retail residential mortgage sales experience.
Minimum 3 years of mortgage or financial experience as part of a community lending team.
Must be in good standing under The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Safe Act) and must be registered/licensed with the Nationwide Mortgage Licensing System and Registry.
Highly prefer network of professional and nonprofit referral sources.
Highly prefer a BA/BS degree with preference for business, finance, or economics degree.
Consistent written and verbal communication that is professional, thoughtful, clear, and effective across all audiences, both inside and outside the bank.
Preferred experience with Net Oxygen, Salesforce, Blend, and Microsoft Office suite.
Knowledge of mortgage credit policies and current industry compliance standards.
Promoting the Bank's CRA efforts, fair and responsible banking goals, and the underserved communities.
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