Real Estate Lender Job Missoula Montana USA,Finance & Banking

Job Description

Kalispell Market Position-Remote work not available.

Job Summary

This position is responsible for soliciting and originating real estate loans with an emphasis on the building of relationships. Is also responsible for monitoring and controlling loans and assisting borrowers throughout the process.

Job Responsibilities

To perform this job successfully, an individual must be able to satisfactorily perform each of the essential duties/responsibilities listed below. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties/responsibilities of this job.

Pre-qualify applicants for real estate loans to determine the appropriate terms of a real estate loan that will meet both their needs and the qualifications of both the Bank’s and secondary market’s underwriting guidelines.

Originate real estate loans for existing home purchases and refinances.

Maintain knowledge on all programs available including fixed and variable rate loans, secondary market fixed and variable rate FHA, VA, MBOH and conventional loans. Determine if loan request is an acceptable risk and is within Bank guidelines and, if necessary, the guidelines of the secondary market.

Solicit new real estate business through customer/realtor/contractor calls and involvement in real estate organizations.

Assist other lenders in origination of real estate loans.

Promote and cross-sell Bank services and develop new customer relationship. Participate in the Bank’s calling program. Assist in the development of new banking products and the implementation of the product.

Perform other duties as may be assigned from time to time to promote the efficiency and profitability of the Bank.

Principal Accountabilities

Originate and service real estate loans contributing to the profitability of the bank while ensuring compliance with established lending policies to maximize bank’s growth and development.

Promote full bank services to existing customers and develop new business to increase bank growth and profitability.

Minimize losses from outstanding loans through effective use of collection procedures.

Participate in the customer calling program and community affairs to present a favorable bank image and to develop new business for the bank.

Qualifications

To perform this job successfully, an individual must meet the minimum qualifications listed below. These qualifications are representative of the knowledge, skill and/or ability required to perform this job.

Education/Experience

To perform this job successfully, an individual must have:

a Bachelor’s Degree in a related field
(1) to (2) years related experience and/or training
or an equivalent combination of education and experience.

Certificates/Licenses

To perform this job successfully, an individual must:

have a valid Driver’s License
have the ability to be bonded

Physical Abilities

To perform this job successfully, an individual must be able to:

Regularly - grasp, reach, talk, and hear
Occasionally - sit, stand, walk, lift/pull/push/carry up to 25 pounds, and stoop/crouch

Mental & Other Skills/Abilities

To perform this job successfully, an individual must have the:

Adaptability: ability to adapt to changes, delays or unexpected events in the work environment; ability to manage competing demands and prioritize tasks; ability to change approach or method to best fit the situation.
Analytical Ability: ability to maintain focus for extended periods of time; ability to complete research projects with resourcefulness and persistence; ability to synthesize complex or diverse information; ability to use intuition and experience to complement existing data.
Computer/Technical Ability: working knowledge of:
Word Processing software;
Spreadsheet software;
Banking software;
Internet software;
Design Software
Dependability: ability to follow instructions, both in written and verbal format; ability to respond to management direction; ability to complete tasks on time or notify the appropriate person with an alternate plan when necessary.
Interpersonal

Skills:

ability to maintain satisfactory relationships with others, excellent customer service skills and a good overall…


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