Mortgage Banker - Multiple States

 

Summary 

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.

 

Responsibilities 

• Originate loans based on outside sales activity.
• Meet minimum funding requirement starting the third full month of employment.
• Supervise Mortgage Loan Assistant, if one is assigned to you.
• Maintain high-quality, compliant loan files for loans you originate.
• Spend 80% or more of time on outside sales activities to generate loans.
• Must have a valid driver's license
• Protect all client and bank information confidentially and follow all company policies.
• Understand, communicate, and instill the Company’s mission, vision, and values (Pillars of Success).
• Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
• Working at the worksite during regular business hours and/or assigned hours.
• Other specified duties as assigned.

 

Qualifications: 

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.

 

Qualifications

 

Skills

• 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
• 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

 

Education & Experience

• Three plus years of recent mortgage sales experience
• Demonstrated experience of closing minimum $500,000 in loans per month
• Experience working in a bank mortgage environment or similar relationships 

 

Physical Requirements 

The work environment is typical of a standard office or retail banking setting.  The position is sedentary, involving sitting most of the workday; however, the position will involve moving about the workspace to reach entrances/exits, restrooms, conference rooms, or other areas within the work environment.  Reaching may be required involving the ability to move arms in any direction.  Office equipment, such as a computer and telephone, will be used requiring the ability to manipulate a keyboard, mouse, and/or keypad.  The ability to decipher a computer screen or written documents is necessary. The ability to express or exchange ideas; impart information to clients, coworkers, or the public; or to convey detailed or important instructions; is required. The a