Community Mortgage Banker

5 days ago


Denver, Colorado, United States UMB Financial Corporation Full time
About the Role

The Community Mortgage Banker is a key member of our team, responsible for helping and serving the credit needs of low to moderate income families and individuals within the UMB footprint. This role requires strong business communication skills, both verbal and written, as well as established time management and organizational skills.

Key Responsibilities
  • Represent UMB at community events and business development functions
  • Promote financial awareness and identify community needs to align with product and services
  • Establish and maintain referral relationships with community-based organizations, internal partners, real estate agents, and customers
  • Recommend product or services based on feedback from the community to enhance current credit offerings
  • Counsel and pre-qualify potential home buyers on credit and affordability
  • Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount, and mortgage insurance to applicants
  • Provide financial education trainings to serve the needs of the community
  • Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs
  • Structure and originate first mortgage loans and gather supporting documentation to meet federal, state, and company regulations and policy and procedures
  • Promote bank-wide products and programs that focus on the communities UMB serves
Requirements
  • High school diploma or equivalence
  • Mortgage sales experience
  • Relevant banking experience
  • Ability to work independently, with strong initiative and reliability
  • Thorough knowledge of FHA, VA, CONV, guidelines, and real estate market in local area
  • Maintained current registration with the National Mortgage Licensing System Registry
  • Ability to obtain the required S.A.F.E registration at time of employment
  • Ability to travel and work outside of the office regularly
Preferred Qualifications
  • Bachelor's degree
  • 3-5 plus years mortgage and banking experience
  • Well-established referral base and source network
  • Experience with Encompass LOS
  • Networking skills
  • Achievement orientation skills
  • Customer orientation skills
  • Emotional presence skills
  • Ability to impact and influence
  • Internal partnering skills
  • Organizational awareness
  • Strategic orientation skills
  • Team player
Benefits

UMB offers competitive and varied benefits to eligible associates, including Paid Time Off, a 401(k) matching program, annual incentive pay, paid holidays, a comprehensive company-sponsored benefit plan, health savings, flexible spending, and dependent care accounts, adoption assistance, an employee assistance program, fitness reimbursement, tuition reimbursement, an associate wellbeing program, an associate emergency fund, and various associate banking benefits.



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