Mortgage Banker

Overview

The Mortgage Banker will be responsible for establishing and maintainingrelationshipswith

Renasant Bank Branch Managers ,Realtors,and Builders throughoutadesignatedserviceregionforgeneratingproductionofallone- tofourfamilyresidentialproducts(conforming,conventional,FHA,andVA,aswellasotherproductsastheybecomeavailable).Thisindividualwillserveasthefacilitatorofthemortgeloanprocessandmustmaintainproductiverelationshipwithmortgageoperationsstaff.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

• 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 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 to branch personnel throughout the assigned service area
• Counsel and communicate with prospective borrowers to determine applicable loan products
• Schedule appointments to take applications at a location (home, branch office, or work location) convenient to the customer and work with the customer in completing an accurate application and acquiring supporting documentation
• Gather additional information required for closing the mortgage requested by the Mortgage Banking Department in a timely manner and maintain a status report of all loans in process
• Assist customer with closing contingencies
• Prepare Good Faith Estimate and Truth‑In‑Lending within 72 hours from date of application on all applications taken
• Provide the Realtor (if applicable) with a weekly written review on loan progress
• Educate and update branch personnel throughout the immediate service area on conforming loan requirements and how to answer customer inquiries
• Establish rapport with the local real estate community and regularly update programs available by calling realtors, builders, and attorneys having an existing relationship with Renasant Bank for soliciting mortgage loan origination and coordinating product needs with a supervisor
• 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 conventional, FHA/VA, ARM, and CRA aspects of lending
• Become active in local affiliations relative to mortgage loan production such as Board of Realtors and Home Builders Association
• Perform all duties in compliance with state and federal regulations and internal policies and procedures as applicable to the responsibilities of the position
• 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

The aforementioned duties are all essential job functions of this position.

• 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
• Ability to organize time effectively
• Ability to learn and comprehend regulatory directives and procedures in a short period of 19 4
• Ability to represent Renasant Bank professionally projecting the image of "Customer Focused Banking"
• Ability to work independently and make decisions following state and federal regulatory guidelines
• Must have a reliable means of transportation to facilitate responsibilities
• Physical Demands

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee frequently required to stand or sit; kneel, stoop,or squat; use handsor fingers to handle or feel objects, tools or controls;

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