CRA Mortgage Loan Officer
Job in
Perkasie, Bucks County, Pennsylvania, 18944, USA
Listing for:
Penn Community Bank
Full Time
position
Listed on 2026-11-15
Job specializations:
-
Finance & Banking
Job Description & How to Apply Below
- Originate residential mortgage, home equity and home equity line of credit products in accordance with Bank lending policies and established underwriting standards.
- Prospect, develop and manage a pipeline of prospective borrowers from initial inquiry through application, approval, closing and post-closing follow-up.
- Proactively generate mortgage and home equity applications from LMI borrowers and borrowers located in targeted geographies within the Bank’s market area.
- Promote and appropriately utilize the Bank’s specially designed mortgage and home equity products, including programs intended to address identified community credit needs.
- Maintain working knowledge of PHFA and other applicable affordable-housing, first-time-homebuyer and down-payment assistance programs.
- Develop and maintain relationships with real estate agents, brokers, builders and other mortgage referral sources to generate sustainable application flow.
- Establish relationships with community organizations, housing counselors, nonprofit organizations, employers and community leaders serving the Bank’s CRA markets.
- Conduct regular meetings, presentations, educational sessions and outreach activities with real estate and community partners.
- Participate in appropriate community events, homebuyer education programs, housing fairs and financial-literacy initiatives to increase awareness of the Bank’s lending products.
- Work collaboratively with processors, underwriters, closing personnel and other Bank departments to facilitate timely and quality loan decisions and closings.
- Maintain accurate and timely customer, referral, pipeline and loan activity information in the Bank’s loan origination (Encompass) and customer relationship management (Salesforce) systems.
- Support the Bank’s CRA objectives by generating measurable activity across applicable lending and community-outreach performance measures, including applications, originations, closings and targeted-geography activity.
- Provide management with information regarding community credit needs, market opportunities, referral activity and opportunities to increase the Bank’s lending presence in underserved or targeted markets.
- Comply with all applicable regulations and Bank policies regarding employment and employment law.
- Participate in annual compliance and other job-related training.
- Comply with applicable CRA, Fair Lending, Equal Credit Opportunity Act (ECOA), Fair Housing Act, HMDA, RESPA, Truth in Lending and other regulatory requirements.
- Protect the confidentiality, privacy and security of customer and Bank information in accordance with Bank policies and applicable law.
- Internal:
Reports to Director of Residential and Consumer Lending; frequent interaction with Compliance professionals, Operations staff, Customer Contact Center staff, department leaders, and back-office personnel. - External:
Frequent interaction with prospects, applicants, depositors, referral sources, realtors, brokers, community organizations, and vendors.
- High school diploma or GED required; college degree preferred.
- Minimum of two years’ previous experience in a sales-oriented environment, with proven track record of success, required; network of established referral sources preferred.
- Experience in originating affordable residential loans and providing loan products tailored to low-to-moderate income and/or first-time homebuyer programs preferred.
- Must be compliant with the SAFE Act and registered with the Nationwide Mortgage Licensing System (NMLS).
- Strong working knowledge of underwriting guidelines for each agency, as well as bank overlays for portfolio business.
- Excellent written and oral communication…
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