RL-2950 Mortgage Banker
You will be able to sell direct to customers and solicit customers indirectly through third parties such as realtors, builders, and developers. You will continually identify, develop and maintain proactive and exceptional service-based relationships with retail branches and other clients that can serve as a recurring source of referrals for new mortgage lending opportunities. You will be responsible to develop mortgage lead sources, respond timely to customer inquiries and Bank referrals, analyze borrowers financial and credit data, determine customer financing objectives, advise borrowers of product/pricing policies and guidelines, submit complete applications, help processing team to proactively gather required documentation, and ensure loans are closed within 30 days.
Our ideal candidate must be able to build exceptional relationships with customers and referral sources. The candidate must exhibit strong product knowledge and employ a high-touch, consultative sales approach when providing recommendations to customers based on financial analysis and the customer's financial needs, goals and circumstances. Candidate must have the ability to meet minimum funding requirements starting the third full month of employment. Must maintain all required licenses and registration, including NMLS registration. Additional requirements include:
Three plus years of recent mortgage sales experience
Proven track record of successfully working with multiple referral sources
Exceptional communication skills
Knowledge of conventional and government lending guidelines
Knowledge of processing, underwriting, and closing procedures
Knowledge of federal lending regulations governing real estate lending
Ability to manage a pipeline of 15 plus loans
Exceptional organizational skills along with the ability to multi-task
Exceptional working knowledge of VA, FHA , and HUD guidelines
Valid driver's license in state of residence.
Demonstrated experience of closing minimum $500,000 in loans per month
Experience working in a bank mortgage environment or similar relationships
Proven track record of successfully working remotely with little supervision
Working knowledge of CALYX Point is a plus
Ability to analyze and comprehend complex financial data and provide financial alternatives
The position is medium work, exerting up to 35 pounds of force occasionally, and worker sits much of the time, including for customer meetings and computer work, but worker will frequently stand or walk when conducting outside sales activities. Standing and walking may be required for sustained periods of time for moving from one work site to another both inside and outside the banking center. Substantial driving for outside sales activities. Reaching may be required involving extending arms in any direction. Office equipment, such as a computer and telephone will be used, requiring the use of hands and fingers to manipulate a keyboard or keypad. Visual ability to read a computer screen or written documents is necessary. Speaking ability to express or exchange ideas; impart oral information to customers, staff, or to the public; or convey detailed or important spoken instructions by means of the spoken word is required. Hearing is necessary to receive detailed information through oral communication.
Job Type: Full-time