Mortgage Community Lending Officer

About the Role

Originates residential mortgage loans through solicitation and developing relationships with non‑profit housing organizations, real estate professionals, builders, and other business referral sources. Works in partnership with Columbia community lending group to have significant market share in ethnic, minority, and first‑time home buyers in low‑ and moderate‑income communities. Employs a full range of programs and services to capitalize on current and future market opportunities in those specific markets.

Maintains a quality network of business relationships that serve as recurring sources of referrals for new mortgage lending opportunities and growth for the bank that are primarily self‑generated, but also in partnership with community lending managers. Responsible for the outside sales and origination of self‑generated residential mortgages. Customarily and regularly involved in activities related to origination/selling loans away from the office.

Develops and executes business development and marketing plan collaboratively with community lending managers based on monthly and quarterly production standards and community lending strategic focus. Works to constantly improve performance and exceed minimum monthly standards as set forth in the compensation schedule. Supports community lending group and regional home lending management in the design of tactical marketing plans to maximize penetration in ethnic, minority, first‑time homebuyer, and low‑to‑moderate income communities.

Focus work on increasing market share in these areas including assessing the need for additional community home lending officers generating loans to community lending target market(s). Conducts interviews with prospective borrowers to analyze financial and credit data, determine customer financing objectives, advise customer on product/pricing policies and guidelines, and gathers all additional required information in order to complete an error‑free disclosure to the customer.

Analyzes the various mortgage products available to the customer based on the information provided. Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics and complying with all Federal and State compliance policies. Working knowledge of local, regional, and state down‑payment assistance programs in addition to non‑profit partner products that are an accompaniment to Columbia products for target markets or option for same markets.

Have or obtain certification to teach Commission classes, offer down‑payment assistance, House Key, Home Advantage and Bond program. Obtains all required documentation as required (i.e., appraisals, title reports, financial information, pulling credit), by taking complete applications, analyzing information and is accurate with supporting documentation to allow for seamless disclosure and approval of loan files. Maintains overall responsibility for the loan file and documentation through processing, underwriting, closing, funding, and post‑closing by following the transaction through to its conclusion.

Conveys to customers and to other associates the advantages of the company and various financial products the company offers through other areas of the bank. Completes annual training requirements including all BVS courses before due dates and participate in any system or system‑related training throughout the year. Follows all bank policies and procedures, compliance regulations, and completes all required annual or job‑specific training.

Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on‑the‑job training. Keeps up to date on regulation changes. Maintains a working knowledge of banks’ written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations as applicable to this job function.

May be asked to coach, mentor, or train others and teach coursework as subject‑matter expert. Actively…