CRA Mortgage Loan Officer

Responsibilities

• Originate residential mortgage, home equity and home equity line of credit products in accordance with Bank lending policies and established underwriting standards.
• Prospect, develop and manage a pipeline of prospective borrowers from initial inquiry through application, approval, closing and post-closing follow-up.
• Proactively generate mortgage and home equity applications from LMI borrowers and borrowers located in targeted geographies within the Bank’s market area.
• Promote and appropriately utilize the Bank’s specially designed mortgage and home equity products, including programs intended to address identified community credit needs.
• Maintain working knowledge of PHFA and other applicable affordable-housing, first-time-homebuyer and down-payment assistance programs.
• Develop and maintain relationships with real estate agents, brokers, builders and other mortgage referral sources to generate sustainable application flow.
• Establish relationships with community organizations, housing counselors, nonprofit organizations, employers and community leaders serving the Bank’s CRA markets.
• Conduct regular meetings, presentations, educational sessions and outreach activities with real estate and community partners.
• Participate in appropriate community events, homebuyer education programs, housing fairs and financial-literacy initiatives to increase awareness of the Bank’s lending products.
• Work collaboratively with processors, underwriters, closing personnel and other Bank departments to facilitate timely and quality loan decisions and closings.
• Maintain accurate and timely customer, referral, pipeline and loan activity information in the Bank’s loan origination (Encompass) and customer relationship management (Salesforce) systems.
• Support the Bank’s CRA objectives by generating measurable activity across applicable lending and community-outreach performance measures, including applications, originations, closings and targeted-geography activity.
• Provide management with information regarding community credit needs, market opportunities, referral activity and opportunities to increase the Bank’s lending presence in underserved or targeted markets.
• Comply with all applicable regulations and Bank policies regarding employment and employment law.
• Participate in annual compliance and other job-related training.
• Comply