Bank Mortgage Specialist

Description BE HAPPIER IN YOUR CAREER

As an 8-time winner of Best Places to Work (in Kentucky), we understand the importance of creating a workplace culture that gives our bankers a purpose each and every day. That purpose is to find unique ways to deliver our brand of happier banking service to customers and other employees. We’re looking for self-starters, outside-the-box thinkers, customer service wizards, small business enthusiasts, and servants within their community.

Notice we didn’t say bankers. At Forcht Bank we value diverse and unique thinking that could help us serve our customers better. That’s exactly who we are. What other banks do you know that have an Ice Cream Machine to hand out free ice cream and 18 foot tall forks outside their locations?

While we opened our doors in 1985 offering traditional banking services, we soon realized we needed to deliver them in a nontraditional way. Financial services are a competitive industry, with over 5,000 banks and 5,300 credit unions. That’s a lot. We understand that we must differentiate ourselves by offering a unique combination of banking, consisting of exceptional customer service and with a twist of great digital banking tools to help our customers manage their basic needs.

This is part of our happier banking recipe. Another component is encouraging our bankers to exemplify our values daily.

We believe in:

• Giving back to our communities.
• Embracing change and evolution
• Building relationships based on trust and transparency
• Celebrating and embracing our diversity

Our commitment is to grow and train happier employees, providing them with the skills to deliver happier banking and create happier customers. This is how we create happier employees at Forcht Bank:

• Comprehensive benefits package to include:
• 401(k) Retirement Plan with up to 4% Company Match (fully vested from day
  1)
• Company Paid Life Insurance
• Minimum of 15 days of Paid Time Off (PTO) after 60-day introductory period
• Nine Paid Holidays, plus Birthday Leave and Community Service Leave
• Employee celebrations
• Professional recognition
• And more!

The Mortgage Specialist II is responsible for meeting with customers to discuss mortgage options and loan products, take applications and maintain customer relationships, solicit customers and relators for mortgage loans.

To perform this position successfully, an individual must be able to perform each essential duty and responsibility satisfactorily.

• Take loan applications and analyze customer income and debt to pre-qualify them for the loan requested.
• Collect financial information (tax returns, bank statements, etc.) and other related documents that are part of the application process.
• Maintain regular contact with the customer and realtor between application and closing to apprise them of the status of the application and gather any additional items needed.
• Discuss and disclose the interest rate and options to lock in interest rate.
• Attend closing to ensure the customer satisfaction.
• Work with the Relationship Officers to ensure correct applications are taken and placed with the appropriate investor.
• Work with the Relationship Officers to ensure the correct information is collected and the correct documents are signed.
• Assist the Relationship Officer in marketing and obtaining mortgage leads as well as understanding the rate sheet and identifying potential customers.
• Perform other duties as assigned.

This position does not have supervisory responsibilities.

The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Proficient in the use of Microsoft Office products, in particular Word and Excel;
  Bank information systems; and Internet research when appropriate.
• Knowledgeable concerning FHA, VA, USDA and Conventional lending.
• Ability to read and interpret industry information such as customer financial statements, credit reports and tax returns.
• Ability to deal effectively and tactfully with customers.
• Ability to work with a team and members of…