Mortgage Lending Specialist: Build Financing Solutions

EOE Statement United Bank is an Affirmative Action and Equal Opportunity employer. We consider all qualified applicants without regard to race, color, religious beliefs, sex (including pregnancy), sexual orientation, gender, gender identity, marital status, age, physical or mental disability, genetic information, status as a protected or disabled veteran, national origin, or any other protected characteristic as required by applicable federal, state or local law.

About the Organization United Bank is a growing $1.4 billion community bank operating 24 locations in Southwest Alabama and Northwest Florida that is proud to be a certified Community Development Financial Institution. We offer competitive salary and an exceptional benefit package including BCBS medical, dental, vision, 401k with company match up to 5 1/2%, profit sharing, annual bonus opportunity, and more!

The Mortgage Lender is primarily responsible for originating and managing a range of portfolio mortgage products, including non-conforming mortgages, construction loans, second homes/vacation properties, and HELOCs. They work closely with individual and business clients to assess their financial needs and offer tailored loan solutions. They will act as a liaison between customers and the Bank’s conforming mortgage referral partner to guide them through the application process.

PRIMARY DUTIES & RESPONSIBILITIES:

• Reviews loan applications, analyzes financial information, evaluates collateral, and determines creditworthiness
• Makes appropriate credit decisions, underwrites loans within approved lending authority, and recommends loan approval to higher authority, when needed.
• Ensure accurate and complete documentation for loan approvals.
• Provide personalized financial solutions based on customer needs.
• Educate customers on loan products, terms, and repayment options.
• Maintain long-term relationships with clients to promote loyalty and repeat business.
• Proactively identify referral opportunities for banking products such as credit cards, deposit accounts, and insurance.
• Maintains an active role in the community and develop relationships with local businesses, realtors, and others in the real estate industry to generate referrals.
• Meet or exceed loan production goals and sales objectives.
• Adhere to all banking policies, regulatory guidelines, and lending procedures.
• Ensure loans comply with underwriting guidelines and risk assessment standards.
• Monitor loan performance and resolve any delinquent accounts.
• Laison to secondary mortgage vendor.
• Any additional duties as assigned by Management.

MINIMUM REQUIRED EDUCATION, EXPERIENCE & SKILLS:

• 3+ years of lending experience with a focus in mortgage lending
• Ability to make sound banking decisions, exhibit critical thinking, and reasoning ability
• Excellent time management skills and ability to multi-task efficiently and effectively with attention to detail
• Identifying customer needs through service opportunities
• Proficient with Microsoft Office; including, Outlook, Excel, Word, Power Point
• High School diploma or equivalent
• NMLS (Nationwide Multistate Licensing System) registration

PREFERRED EDUCATION, EXPERIENCE & SKILLS:

• Bachelor’s degree in business or finance
• 5+ years of lending experience in a banking environment originating loans
• Proven track record of managing relationships and developing new business
• Knowledge of lending policies, procedures and regulations
• Strong financial analysis and underwriting skills

ESSENTIAL KNOWLEDGE, MENTAL & PHYSICAL REQUIREMENTS:

• Excellent communication skills.
• Ability to manage time and competing priorities in a fast-paced environment.
• Strong interpersonal skills with the ability to interact with all levels of an organization.
• Collaborative professional skills that lead to a collegial and partnered approach to meeting objectives.
• High motivation with ability to successfully meet individual and team goals while maintaining individual performance over the long term.
• Adaptability and flexibility.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the…