Mortgage Banker - VA

About the Role

Responsible for sales efforts to originate and close mortgage loans. Mortgage Loan Originators engage in direct sales activities with clients and develop referral sources with individual borrowers, real estate brokers, builders, developers, branches, and other referral sources to proactively solicit business and generate leads for mortgage financing. This role operates primarily away from company and home offices.

Responsibilities

• Maintain an active Ameris Bank-sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements.
• Establish and maintain client relationships with realtors, builders, developers, branches, and other referral agents on an ongoing basis.
• Contact potential or existing customers in person or by phone to develop new business or retain existing business.
• Counsel customers on all eligible products, ensuring the chosen product best fits their financial needs without steering them toward any particular product.
• Assist customers with completing the loan application, provide and explain required initial documentation and disclosures, and submit loan applications within required timelines.
• Oversee the loan process by monitoring loan status and ensuring conformity with terms.
• Communicate with loan processors to coordinate workflow, assist in collecting additional documents, and update all parties on loan status in a timely manner.
• Adhere to established minimum fees and product pricing structure.
• Network through industry-related functions, professional, business, and community organizations to promote and market loan products monthly.
• Attend all purchase loan closing transactions on behalf of Ameris Bank Mortgage as required.
• Communicate regularly with branch managers to update them on sales call efforts and review pipeline reports for accuracy and status.
• Work with branch managers and other sales personnel to support bank cross-selling opportunities and initiatives.
• Stay informed on all Ameris Bank Mortgage loan programs and adhere to regulatory and compliance requirements.
• Meet and exceed minimum production standards as detailed in the compensation agreement.
• Attend all required meetings and complete all required training.
• Adhere to the work schedule designated by the manager.
• Practice ethical sales behaviors in accordance with Ameris' core values of Integrity and Honesty, always acting in the best interest of the customer.

Requirements

• Minimum 1 year of mortgage experience.
• Minimum 1 year of customer service experience.
• High school diploma or GED required; Bachelor’s degree preferred.
• Proven mortgage production of $5 million over the past year.
• Proven success in establishing referral relationships.
• Experience using mortgage origination applications.
• Effective utilization of a contact management system.
• Knowledge of mortgage products/servicing, operations, and current market trends.

Benefits

• Medical, Dental, and Vision Insurance (Ameris Bank absorbs a major portion of the cost; eligibility begins the first of the month following 30 days of employment).
• Life Insurance provided at no additional cost to employees.
• Accidental Death & Dismemberment Coverage.
• Long-Term Disability Coverage.
• Paid Sick and Vacation Leave.
• 11 Holidays plus a Volunteer/Service Day.
• Employee Stock Purchase Plan.
• 401(k) Retirement Plan (Ameris Bank matches 50% of your first 8% of contributions).
• Flexible Spending Accounts.
• Health Savings Account.
• Health Reimbursement Arrangement.
• Supplemental Life & Other Insurance Plans.
• Identity Theft Protection.
• Pet Insurance.
• Legal Insurance.
• Employee Assistance Program.
• Employee Advocacy Program.
• Tickets at Work (Entertainment discounts).
• AT&T Employee Discount.
• Wellness Discounts for Medical Premiums and Other Rewards.
• Employee Referral Incentive.
• Education Assistance.
• Employee Resource Groups.

Banking Advantages for Employees

• Free Interest Checking.
• Free Safe Deposit Box.
• Free Money Orders, Travelers’ Checks, and Cashier Checks.
• Discount on Mortgage Origination Fee.
• Free Online Banking and Free Unlimited Online Bill Payment.
• Employee Banking Perks.