Mortgage Banker

2 weeks ago

St Louis, Missouri, United States Commerce Bank Full time
About Working at Commerce

Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of.

Our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you.

You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after more than 155 years, we know Commerce Bank is only at its best when our people are.

Essential Functions

  • Network with internal and external referral partners to build a book of business.
  • Visit Commerce branches within assigned geography on a weekly basis to meet with Commercial Bankers and customers to discuss mortgage products.
  • Manage production pipeline and documentation collection while coordinating with fulfillment team to ensure an efficient flow.
  • Analyze applicants' financial status, creditworthiness, and property evaluation to determine eligibility and feasibility of granting home loans.
  • Provide financing options and customize solutions by conducting a deep dive analysis of the application, credit profile, financials, etc.
  • Pre-underwrite file to obtain and analyze documentation, in a timely fashion, regarding employment, credit, income, assets, and collateral.
  • Adhere to CBI Code of ethics, Do not Call Regulations, Privacy and Opt-Out procedures, HMDA data collection, Suspicious Activity procedures, Adverse Action requirements, Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Commerce's pricing policies, and all Fair Lending policies and procedures.

Knowledge, Skills & Abilities Required

  • Intermediate knowledge of mortgage products.
  • Strong credit risk analysis and loan origination skills.
  • Ability to focus on customer's needs, both internal and external, to develop and sustain productive customer relationships.
  • Develop and maintain collaborative relationships to facilitate and achieve corporate results.
  • Ability to achieve an exceptional level of technical and professional skills/knowledge in job-related areas.
  • Ability to take prompt and proactive actions to accomplish objectives.
  • Ability to maintain a valid driver's license and meet Commerce Bank's driving record criteria.

Education & Experience

  • Associates degree in business management/finance or equivalent combination of education and experience required.
  • 3+ years lending experience required.

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