Proactively solicits new residential mortgage loans to meet various departmental goals including affordable housing mortgages. Identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities within the community. Primarily focused on community efforts to promote home ownership.
Solicits first mortgage loans and supports assigned staff with loan applicant interviews.
Completes loan applications and applicable pre-processing functions in a timely manner to permit the loan estimate and other compliance related documents to be mailed/issued within the required time period
Screens loan requests based on policies and on types of loans offered by the bank.
Works closely with the branch staff to identify potential customers and process referrals of existing customers interested in home ownership or refinance.
Provides ongoing Homeownership and Housing/Financial education for prospective buyers, in branch and coordinated with local nonprofits.
Collaborates with the processing team with appraisal orders, title orders, and other information as needed on residential loan applicants.
Assist the Community Development Officer prepare soft second compliance packages in markets in which we offer assistance.
Promotes and participates in special credit programs and other CRA programs. Becomes familiar with housing agencies within the assessment area and partnering with these agencies for referrals.
Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers and prospects.
Ensures that own work is in compliance with all applicable laws, regulations, policies and guidelines.
All other duties as assigned.
Skills and Abilities
Good sales, organizational, and interpersonal skills.
Good oral and written communication skills.
Must be an effective communicator with departmental staff and other departments within the Bank.
Working knowledge of MS Office products.
Working Conditions and/or Physical Requirements
Ability to work under stress and meet deadlines.
Ability to operate a keyboard if required performing the essential job functions.
Ability to read and interpret a document.
Ability to travel if required to perform the essential job functions.
Ability to lift/move/carry approximately 20 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department an undue hardship then the employee must be accommodated; hence, omitting lifting as a physical requirement.
Bachelors degree in business or finance preferred
1-2 years experience in a financial institution or loan office setting.