Affordable Lending Originator

SUMMARY OF THE JOB

Reporting to the Loan Originations Manager, the Affordable Lending Originator develops mortgage loan business in the Bank's assessment area with a special focus on low- and moderate-income census tracts and low- and moderate-income borrowers. The incumbent will develop a sales plan and implement a marketing approach with emphasis on obtaining CRA-related mortgage loans and performing CRA-related activities.

ESSENTIAL FUNCTIONS

• Identify community and neighborhood groups focused on housing and serve as the Bank’s representative to these groups.
• Conduct an analysis of the marketplace to identify realtors, attorneys, and builders who specialize in serving low and moderate income borrowers.
• Develop a sales plan targeting these referral sources and implement the plan to meet CRA objectives.
• Prepare CRA activity reports detailing all activities related to sales calling and outreach efforts.
• Originate CRA-related first and second mortgages that meet the Bank’s stated guidelines, policies, and procedures.
• Conduct home buyer education training sessions and follow up with attendees.

SECONDARY FUNCTIONS

• Identify potential cross-sell opportunities for other Bank products and services and refer to appropriate Bank employees.

DIMENSIONS

• Annual Sales Goals: $7-10 million annually, with 80% in low or moderate census tracts, substantially minority census tracts, or to low- or moderate-income borrowers.
• Seminars: Conduct at least one home buyer seminar per month.

MINIMUM REQUIREMENTS

• Working Knowledge: Conventional and government loan programs, and Fannie/FHLMC/secondary market guidelines; thorough understanding of CHFA and FHA guidelines.
• Experience: Four years' sales experience and computer skills required. Bilingual (English/Spanish) preferred.

PHYSICAL REQUIREMENTS

• Use of general office equipment.
• Ability to work on a computer for extended periods of time.
• Ability to travel.

POSITION PAY

Salary Range: $26.60/hour - 41.00/hour. Position pays base (within the salary range) + commission. Actual compensation within the pay range will be determined based on factors including, but not limited to, skills, prior relevant experience, and specific work location.

COMPLIANCE

The Bank shall provide equal employment opportunity to all qualified persons, and continue to recruit, hire, train, and evaluate persons in all jobs without regard to race, color, religion, sex, national origin, or veteran status. Liberty Bank is an Equal Opportunity employer. It is the policy of Liberty Bank to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.