Mortgage Banker - Retail

** About Working at Commerce
** Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.  Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you.

You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk.

** Compensation Range
** Annual Salary: $37,000.00 - $37,000.00 (Amount based on relevant experience, skills, and competencies.)
** About This Job
** The main purpose of this job is to originate home loans. The primary focus will be to drive new sales within our available lending territory. Growth will likely include managing current client base; as well as, a plan of action to increase market share attracting new clients.
** Essential Functions
*** Network both with internal and external referral partners to build book of business (ie – realtors, builders, etc.)
* Visit Commerce branches within assigned geography on a weekly basis to meet with Commercial Bankers and customers to discuss mortgage products
* Manage production pipeline and documentation collection while coordinating with fulfillment team to ensure an efficient flow.  Communicate between borrowers and referral partners.
* Analyze applicants’ financial status, creditworthiness, and property evaluation to determine eligibility and feasibility of granting home loans
* Provide financing options and customize solutions by conducting a deep dive analysis of the application, credit profile, financials, etc. and ensuring options offered fit within the guidelines of the lending/sellers guide(s) by product type (FHA/VA, Conv, HELOC).
Follow the ASK LISTEN SOLVE process of discovery and proposing options.
* Pre-underwrite file to obtain and analyze documentation, in a timely fashion, regarding employment, credit, income, assets and collateral. Verify documentation meets CMC/Investor/Agency Standards prior to submission to our operations partners.
* Adhere to CBI Code of ethics, Do not Call Regulations, Privacy and Opt-Out procedures, HMDA data collection, Suspicious Activity procedures, Adverse Action requirements, Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Commerce’s pricing policies, and all Fair Lending policies and procedures
* Manage and deliver best in class client care to an active loan pipeline of up to 20 loans in a pre-funded status
* Manage and deliver best in class client care to an active lead pipeline of up to 150 clients utilizing lead management data base and all of its capabilities
* Timely communicate updates and requests to clients in accordance with current Service Level Agreements (SLA’s) and compliance industry regulations. This includes but is not limited to standard policy-required applicant correspondence regarding needed file documentation, looming deadlines, general milestone communication points and decisions
* Maintain continual, consistent, and open communication with all appropriate parties to the transaction in accordance with current Service Level Agreements (SLAs) to ensure a timely closing that exceeds the client’s expectations. Consistently document lead management system and loan origination system with client communications/expectations, timelines, next steps, action items, owners of the actions, loan condition needs
* When called upon, provide customer / conversion feedback to leadership team, marketing team, secondary marketing team and technology team
* Perform other duties as assigned
** Knowledge, Skills & Abilities Required
*** Intermediate knowledge of mortgage products
* Strong credit risk analysis and loan origination skills
* Ability to focus on customer’s needs, both internal and external,…