Community Lending Mortgage Banker

Overview

COMMUNITY LENDING MORTGAGE BANKER

This position is responsible for sales of first mortgage and concurrent second loan products to existing and potential banking diverse segment clients. Community Loan Officer duties include outside sales activities to cultivate new business and expand CNB's client relationships through the sale of mortgage loan products and services, uses consultative sales skills in support of sales and business development activities, meets directly with clients to assess client needs and present multiple mortgage product solutions, and ethically market and promote the bank's mortgage products as required in growing the assigned territory.

Regularly travels to prospective client and referral source locations away from CNB offices to perform sales, business development, and related activities; follows up by telephone or electronic mail as needed. Must be in good standing under the Safe Act and registered/licensed with the Nationwide Mortgage Licensing System and Registry, or must be able to be registered under the Safe Act;

must remain in good standing under the Safe Act.

What will you do? Responsibilities include outside sales, client counseling, processing support, compliance, and community engagement to grow mortgage loan volume and serve underserved communities.

• Outside sales:
  Originate residential mortgage loans and related bank products and expand network of referral sources, sourcing primarily through professional relationships such as realtors, attorneys, CPAs, business managers, nonprofits, trade organizations, financial advisors, and other partners that fit within the bank’s strategy.
• Visit clients or their designated representatives and referral sources at their locations to prospect for and originate mortgage loans.
• Provide sound and ethical loan counseling to all potential applicants.
• Act as liaison between the bank and customer during processing and underwriting to ensure timely processing and customer service.
• Complete the loan application and related processes in accordance with Bank policies, procedures, product guidelines, and applicable laws and regulations.
• Forward substantially complete application packages to Processing and Underwriting in a system that adheres to TRID requirements.
• Develop and/or implement sourcing strategies as required by written goals.
• Meet or exceed quantitative and qualitative goals as designed by sales management; pursue compensation goals consistent with CNB branding.
• Stay informed on sales and business development techniques, product offerings, legal and regulatory requirements, and industry trends.
• Acquire and maintain proficiency in the software systems used for mortgage originations.
• Attend regularly scheduled sales meetings, training sessions, and Bank functions.
• Perform other duties as requested by management, including special projects within the Residential Lending Division.
• Foster and maintain active relationships with civic organizations within assigned territories for community service and business development.
• Commitment to work with nonprofit organizations and make a positive community impact.
• Increase mortgage loan volume, focusing on underserved communities and low to moderate income consumers and geographies or targeted areas.

Required Qualifications

• High School Diploma
• Minimum 5 years of retail residential mortgage sales experience
• Minimum 3 years of mortgage or financial experience as part of a community lending team
• Minimum of 5 years of experience with diverse and underserved clients
• Must be in good standing under the Safe Act and registered/licensed with the Nationwide Mortgage Licensing System and Registry, or able to be registered under the Safe Act; must remain in good standing under the Safe Act

• Highly prefer network of professional and nonprofit referral sources
• BA/BS degree preferred, with preference for business, finance, or economics
• Demonstrated superior sales and marketing ability
• Strong written and verbal communication skills across audiences
• Experience with Net Oxygen, Salesforce, Blend, and Microsoft Office is a plus
• Knowledge of mortgage credit policies and…