Community Mortgage Banker

Responsibilities

• Represent UMB at community events and business development functions
• Promote financial awareness and identify community needs to align with product and services
• Establish and maintain referral relationships with community based organizations, internal partners, real estate agents and customers
• Recommend product or services based on feedback from the community to enhance current credit offerings
• Counsel and pre-qualify potential home buyers on credit and affordability
• Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount and mortgage insurance to applicants
• Provide necessary information and inform applicants of status with clear communication
• Focus efforts to expand home ownership for first time buyers
• Provide financial education trainings to serve the needs of the community
• Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs
• Structure and originate first mortgage loans and gather supporting documentation to meet federal, state and company regulations and policy and procedures
• Promote bank wide products and programs that focus on the communities UMB serves

• You have a high school diploma or equivalence
• You have 3-5 plus years mortgage and banking experience
• Or if you have any combination of education and experience which provides an equivalent background
• You are effective with business communication skills, both verbal & written
• You have established time management and organizational skills
• You are able to work independently, with strong initiative and reliability
• You have a thorough knowledge of FHA, VA, CONV, guidelines and real estate market in local area
• You have maintained current registration with the National Mortgage Licensing System Registry
• You are able to obtain the required S.A.F.E registration at time of employment
• You have the ability to travel and work outside of the office regularly

• High school diploma
• S.A.F.E registration