Mortgage Lender

Responsibilities

• Originate HELOCs, portfolio loans, and fixed rate loans which are sold in the secondary market including purchases and refinances.
• Initiate and execute revenue-generating activities including business development, customer and referral relationship development, community outreach, scheduling/closing (if applicable), and financial education using CRM software.
• Manage pipeline and customer expectations through communication throughout the loan process.
• Structure loans according to customer goals and overall credit acceptance practices utilizing the 5 C's of credit for pre-qualifications and active loan requests.
• Collect, analyze, and communicate borrower information needed to process/underwrite a loan, including income/assets, credit, and collateral-related documentation to determine qualification through the Automated Underwriting System (AUS).
• Prepare write-ups of borrower requests and any unique characteristics of the loan to assist future loan partners with assistance from regional leaders or mentors and obtain appropriate loan approval.
• Cross-sell additional bank products and services as well as provide constructive financial counseling and plan for future loan requests.
• Perform tasks on loan files to comply with Freddie Mac guidelines, Mortgage Insurance guidelines, or specific product requirements and bank-specific details such as ordering PMI, interest rates, rate locks, and in the event of denied/withdrawn applications, adverse action.
• Review and communicate explanations of loan disclosures including the Loan Estimate and Closing Disclosure.
• Maintain awareness of and adhere to Bank’s compliance requirements and risk management concepts, expectations, policies, and procedures and apply them to daily tasks.
• Deliver a consistent, high-level of service within our Serving More standards.

Qualifications

• High school diploma or equivalent required.
• 2+ years retail banking/lending or mortgage underwriting field preferred.
• NMLS or ability to be licensed within 30 days.

Compensation and Benefits

This position is exempt and salaried. A minimum of 37.5 hours per week is required to maintain eligibility for full-time status. Responsibilities extend beyond traditional office hours; seven days a week and evening hours are at times required. Associates will respond to internal and external stakeholders as needed to successfully progress the loan to closing. Frequent overtime may be required during peak hours. A flexible work arrangement is available for this position. Travel will be required to meet with clients, Realtors, Community Leaders, visit various markets and regional offices.

This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

Schedule

This position is exempt and salaried. A minimum of 37.5 hours per week is required to maintain eligibility for full-time status. Responsibilities extend beyond traditional office hours; seven days a week and evening hours are at times required. Associates will respond to internal and external stakeholders as needed to successfully progress the loan to closing. Frequent overtime may be required during peak hours. A flexible work arrangement is available for this position. Travel will be required to meet with clients, Realtors, Community Leaders, visit various markets and regional offices.

This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.