Mortgage Banker

Essential Functions

• Interview loan applicants
• Collect and analyze information regarding customer income, assets, investments or debts
• Determine which bank product best fits the customer’s needs
• Provide advice to customer regarding advantages and disadvantages of different products
• Knowledge of Fannie Mae/Freddie Mac guidelines as well as government products
• Makes preliminary determination of applicant’s credit worthiness and has the authority to issue prequalification statement of borrower’s eligibility
• Call on realtors, builders, community development corporations and other potential mortgage customers to establish relationships for loan referrals
• Handle processing of loan request in accordance with bank policy and applicable regulatory requirements as well as secondary market criteria and guidelines
• Adhere to Quality Customer Service parameters
• Conform with and abide by written policies and procedures for the bank
• Participate in community events and real estate industry functions to identify, develop and promote additional business
• Attend training on all residential lending products, may require travel
• Advice management of new products offered in the market to ensure the bank remains competitive
• Promote and cross-sell other bank products
• Perform other work-related duties as assigned by supervisor

Qualifications

Expertise in mortgage products and services as well as regulatory guidelines

Excellent problem-solving skills to identify client needs and resolve problems

Must have a high level of interpersonal skills to effectively communicate policies, procedures and objectives effectively throughout the bank and to represent the bank positively to the public

Capable of handling customer and employee contact situations tactfully and professionally

Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with

Be involved in performing marketing endeavors/efforts

Continuously update skills by participating in professional training

Sought opportunities to improve skills through cross-training offered by the Bank