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 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 created 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 with the Mortgage Banking department to clarify program changes or updates for branch personnel.
• Counsel and communicate with prospective borrowers to determine applicable loan products.
• Schedule appointments to take applications at convenient locations (home, branch office, or work) and assist customers in completing accurate applications and acquiring supporting documentation.
• Gather additional information required for loan closing as requested by the Mortgage Banking Department 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 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 how to answer customer inquiries.
• Establish rapport with the local real estate community and update regularly on available programs by calling on realtors, builders, and attorneys.
• Survey local market areas regularly.
• Establish priority accounts (realtors, builders, title companies, etc.) and visit respective offices at least once a week.
• Conduct seminars for local realtors and new associates on different aspects of lending (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 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 other general mortgage banking lending procedures and requirements.
• Ability to communicate verbally and in writing and to deal cordially with the public.
• Strong organizational and time management skills.
• Ability to learn and comprehend regulatory directives and procedures quickly.
• Professional representation of Renasant Bank, projecting 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 employees to:

• Communicate effectively, both verbally and in writing.
• Demonstrate strong interpersonal skills when working closely with internal business partners and external clients.
• Uphold confidentiality due to exposure to sensitive and proprietary information.
• Follow detailed instructions and procedures to safeguard employees, customers, and assets, especially in high-risk situations (e.g., robbery).