Mortgage Banker

Responsible for originating residential mortgage loans in a highly competitive environment by soliciting, negotiating pricing, initial underwriting, and projecting closing of complex residential loans in compliance with FirstBank lending policies and procedures.

Responsibilities

• Managing Sales Activities
  • Develop a pipeline of new business from outside sales calling efforts and other networking exercises
  • Achieve specific production goals as set by the SVP of Mortgage Lending
  • Stay current on market and competitive trends and share information with customers
  • Complete required management reports which monitor the progression of new business in the pipeline
• Develop and Manage Referrals
  • Solicit residential mortgages
  • Make sales presentations through contact with brokers, realtors, builders, and developers
  • Distribute approved promotional flyers/materials
  • Develop marketing strategies (e.g., “First Time Home Buyers” seminars, letters to past customers, attend realtor open houses)
  • Network through professional, business, and community organizations to market products
  • Work with assigned financial centers to ensure awareness of mortgage loan products and policies
  • Handle referrals timely from each financial center and provide timely updates and progress reports
• Asset Quality
  • Counsel and pre-qualify potential home buyers
  • Obtain all necessary support documents
  • Complete all paperwork in a timely manner
  • Serve as the borrower’s advocate and main contact during the underwriting, committing, and closing process
• Customer Service
  • Foster the FirstBank Experience by:
    • Answering phones by the third ring with a proper greeting on every call
    • Greeting all customers when entering the financial center
    • Standing and properly greeting (handshake, eye contact, introduction) each customer before meetings
    • Using the customer’s name at least once
    • Thanking the customer
    • Always getting back to the customer before sundown
• Adhere to Policy and Procedures
  • Responsible for all compliance with bank policies, procedures, and operational integrity

Requirements

• High school diploma or equivalent (mandatory)
• Bachelor’s degree in a business-related major (preferred)
• Prior sales experience in the mortgage industry (a plus)
• 3+ years of effective and proven sales experience

Skills

• Knowledge of residential mortgage processing, underwriting, and closing procedures
• Knowledge of mortgage loan regulatory requirements, residential products, and functions
• Ability to work independently with strong project management skills
• Ability to adjust to an ever-changing environment
• Must be active and visible in the community to promote FirstBank and enhance business development efforts