Community Mortgage Banker

The Community Mortgage Banker is responsible for helping and serving the credit needs of low to moderate income families and individuals within the UMB footprint. The incumbent will report to the Director of Community Development and will also work closely with the National Mortgage Sales Manager. This role will promote financial awareness, home ownership and provide financial education to our communities.

The successful candidate will also serve as the CRA mortgage product expert within the region.

• 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

• You have a bachelor's degree
• You have a well established referral base and source network
• You have experience with Encompass LOS
• You have networking skills
• You have achievement orientation skills
• You have customer orientation skills
• You have emotional presence skills
• You have the ability to impact & influence
• You have the ability to internal partnering
• You have organizational awareness
• You have strategic orientation skills
• You are a team player

US Employees in California, Washington DC, New Jersey, and New York:

$54,220 - $79,020

US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin:

$49,510 - $72,340

US Employees in all other states not listed above:

$44,790 - $65,650

The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund;

an…