Community Mortgage Banker

About the role

The Community Mortgage Banker is responsible for helping and serving the credit needs of low to moderate income families and individuals within the UMB footprint. The incumbent will report to the Director of Community Development and will also work closely with the National Mortgage Sales Manager. This role will promote financial awareness, home ownership and provide financial education to our communities. The successful candidate will also serve as the CRA mortgage product expert within the region.

Responsibilities

• Represent UMB at community events and business development functions
• Promote financial awareness and identify community needs to align with product and services
• Establish and maintain referral relationships with community based organizations, internal partners, real estate agents and customers
• Recommend product or services based on feedback from the community to enhance current credit offerings
• Counsel and pre-qualify potential home buyers on credit and affordability
• Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount and mortgage insurance to applicants. Provide necessary information and inform applicants of status with clear communication
• Focus efforts to expand home ownership for first time buyers
• Provide financial education trainings to serve the needs of the community
• Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs
• Structure and originate first mortgage loans and gather supporting documentation to meet federal, state and company regulations and policy and procedures
• Promote bank wide products and programs that focus on the communities UMB serves

Requirements

• A high school diploma or equivalency
• 3-5 plus years mortgage and banking experience
• Any combination of education and experience which provides an equivalent background
• Effective with business communication skills, both verbal & written
• Established time management and organizational skills
• Able to work independently, with strong initiative and reliability
• A thorough knowledge of FHA, VA, CONV, guidelines and real estate market in local area
• Maintained current registration with the National Mortgage Licensing System Registry
• Able to obtain the required S.A.F.E registration at time of employment

Qualifications

• Bachelor's degree
• Well established referral base and source network
• Experience with Encompass LOS
• Networking skills
• Achievement orientation skills
• Customer orientation skills
• Emotional presence skills
• The ability to impact & influence
• The ability to internal partnering
• The ability to organize awareness
• The ability to have strategic orientation skills
• A team player

Skills

• Ability to travel and work outside of the office regularly

Benefits

• Compensation ranges from $44,790 - $65,650 depending on location
• Competitive and varied benefits package including Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits

Pay

Compensation ranges US Employees in California, Washington DC, New Jersey, and New York $54,220 - $79,020 US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin $49,510 - $72,340 US Employees in all other states not listed above $44,790 - $65,650

Schedule

Not specified