Mortgage Banker

About the Role

The Mortgage Banker will establish and maintain relationships with Renasant Bank Branch Managers, Realtors, and Builders throughout a designated service area to generate production of all one- to four-family residential loan products (conforming, conventional, FHA, VA, and others as available). This role serves as the facilitator of the mortgage loan process and requires maintaining productive relationships with mortgage operations staff.

Responsibilities

• Originate all types of 1-4 family residential loans.
• Maintain written goals in conjunction with the Mortgage Banking Department.
• Coordinate loan production throughout the assigned service area.
• Maintain a prescribed system status report of all loan cases in process.
• Report monthly on calls made to banks, realtors, and builders.
• Communicate program changes or updates to branch personnel in the assigned service area.
• Counsel prospective borrowers to determine applicable loan products.
• Schedule and conduct appointments to take applications at locations convenient to the customer.
• Assist customers in completing accurate applications and acquiring supporting documentation.
• Gather additional information required for loan closing in a timely manner and maintain a status report of all loans in process.
• Assist customers with closing contingencies.
• Prepare Good Faith Estimate and Truth-In-Lending disclosures within 72 hours of application.
• Provide Realtors (if applicable) with a weekly written review on loan progress.
• Educate and update branch personnel on conforming loan requirements and customer inquiries.
• Establish rapport with the local real estate community, including realtors, builders, and attorneys.
• Survey local market areas regularly and establish priority accounts (e.g., realtors, builders, title companies).
• Visit priority accounts at least once a week.
• Conduct seminars for local realtors and new associates on lending aspects (e.g., conventional, FHA/VA, ARMs, CRA).
• Become active in local affiliations related to mortgage loan production (e.g., Board of Realtors, Home Builders Association).
• Perform all duties in compliance with state and federal regulations and internal policies.
• Attend production meetings as designated by management.
• Maintain required licenses and certifications, if applicable.
• Work independently in an outside sales setting, requiring reliable transportation.
• Perform other related duties as assigned.

Qualifications

• High School diploma or equivalent required.
• Ability to originate 1-4 family residential mortgage products.
• Thorough knowledge of FHLMC/FNMA, FHA, VA, and general mortgage banking lending procedures and requirements.
• Strong verbal and written communication skills, with the ability to deal cordially with the public.
• Ability to organize time effectively.
• Ability to learn and comprehend regulatory directives and procedures quickly.
• Professional demeanor representing Renasant Bank with a "Customer Focused Banking" image.
• Ability to work independently and make decisions following state and federal regulatory guidelines.
• Reliable means of transportation.

Physical Demands

The physical demands described are representative of those required to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

• Frequently required to stand, sit, kneel, stoop, or squat.
• Use hands or fingers to handle or feel objects, tools, or controls.
• Reach with hands and arms, and talk or hear.
• Occasionally required to walk.
• Occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required include close vision, peripheral vision, depth perception, and the ability to focus.

Work Environment

The Bank’s professional working environment requires:

• Effective verbal and written communication.
• Strong interpersonal skills when working with internal business partners and external clients.
• Upholding confidentiality due to exposure to sensitive and proprietary information.
• Adherence to detailed instructions and procedures to safeguard employees, customers, and assets, particularly in high-risk situations (e.g., robbery).