Community Home Loan Lender

About the Role

This position involves originating portfolio loans, government loans, HELOCs, and fixed rate loans for the secondary market, with a focus on promoting the Bank’s CRA lending efforts and expanding mortgage opportunities in targeted communities.

Responsibilities

• Originate portfolio loans, government loans, HELOCs, and fixed rate loans sold on the secondary market.
• Generate residential loans in targeted areas by actively promoting the Bank’s CRA lending efforts.
• Identify customer needs, analyze loan requests and financial data, and recommend mortgage loan products.
• Participate in and lead community events to build relationships with Realtors, builders, community action groups, and others in targeted areas.
• Join and establish relationships with non-profits, Board of Realtors, Home Builders Associations, city/state housing agencies, and public forums to increase first-time buyer and CRA lending opportunities.
• Host local home buyer education events and provide training for bank partners, Realtors, builders, and non-profits on programs and products for local housing needs, especially first-time home buyers.
• Minimize risk exposure by ensuring compliance with federal, state, and internal regulations, policies, and procedures.
• Maintain comprehensive knowledge of the mortgage industry, products, lending practices, and regulatory guidelines, with a focus on programs beneficial to local communities.
• Follow Park National Bank’s lending policies, procedures, and underwriting requirements.
• Adhere to the Bank’s compliance requirements, risk management concepts, policies, and procedures in daily tasks.
• Deliver high-level service within the Bank’s Serving More standards.
• Perform other duties as assigned.

Competencies

• Interpersonal and customer service skills
• Written and verbal communication
• Ability to understand and follow directions
• Adaptability to change
• Basic computer skills
• Analytical thinking and problem/situation analysis
• Technical expertise in mortgage lending
• Ability to build collaborative relationships
• Ability to develop or mentor others

Qualifications

• Bachelor’s degree in business administration or related field preferred; minimum of a high school diploma or equivalent required.
• Minimum of 2-4 years’ experience in mortgage lending: processing, underwriting, closing, and originating.
• NMLS SAFE Act Registration or ability to register within 30 days required.

Schedule

This is a salaried, exempt position requiring availability beyond traditional office hours, including evenings and weekends. Travel is required to meet with clients, Realtors, and community leaders. A flexible work arrangement (office and remote) is available. Candidate must live within 50 miles of Charlotte, NC.