Mortgage Banker

Location

Sioux Falls, SD

M-F 8am - 5pm

Full-Time

First PREMIER Bank

To solicit and originate mortgage loans saleable to the secondary market. Additional responsibilities include cross‑selling mortgage loan customers with other bank products and services.

• Originate secondary market real estate loans.
• Process applications as needed.
• Assist with all areas of mortgage process from application through closing as needed.
• Schedule appointments.
• Interview applicants.
• Determine eligibility and appropriate loan programs.
• Complete applications.
• Schedule closings.
• Cross‑sell other bank products and services.
• Read updates and guideline changes for FHA, VA, SDHDA and conventional loan products and regulatory issues.
• Keep abreast of secondary market enhancements and industry changes.
• Assist Mortgage Associates with issues and questions regarding loan files, closings and documentation.
• Review files for timely service and closings.
• Solicit business from realtors, personal bankers, and bank customer base.
• Build relationships with realtors.
• Turn rate calls into sales calls.
• Build awareness of mortgage loan products and rates within and outside the Bank.
• Participate in community civic and social organizations.
• Receive sales leads and contact potential customers.
• Outside sales meetings consisting of 30 to 40% of office time to gather or present customer material as follows:
  • Attend community functions to establish client calls.
  • Collect financial data from customers.
  • Identify loan products matching customer’s needs.
  • Explain terms available to customers.
  • Compile and present documentation to customers.
  • Finalize loan sale.
• Provide assistance to the VP, Mortgage Banking Manager, to develop and conduct department training.
• Provide assistance as needed to internal and external auditors/examiners.
• Research and recommend enhancements to computer systems used within the department.
• Negotiate terms with secondary market investors.
• Work with portfolio loan programs.

• 2+ years in a real estate origination department or environment.
• Must possess working knowledge of mortgage banking processes and procedures.
• Combination of education/experience that would enable incumbent to meet essential functions and competencies of the position.
• Bachelor’s degree in business administration, finance, or related area, or equivalent related experience required.
• Working knowledge of all bank products and services.
• Direct sales and business development experience.
• Strong sales, communication, cross‑selling, and sales planning skills.
• Demonstrate strong verbal and written communication skills.
• Ability to maintain confidentiality required.
• Basic computer skills.
• Proficiency in the English language.
• Exceptional verbal and written communication skills.
• Ability to concentrate and work independently.
• Attention to detail, analytical and problem‑solving skills.
• Capacity to learn, adapt to change, and become proficient quickly.
• Ability to handle stress, exercise self‑control, adhere to company policies and procedures, and uphold the PREMIER Way.
• Understand investor and insurer requirements to ensure compliance and loan sale ability.

• Full medical benefits when working 20+ hours per week.
• Traditional and high deductible health plan options available.
• Free dental and vision coverage.
• Generous paid time off plans.
• 401(k) – dollar‑for‑dollar match up to 5% of total compensation.
• Special discounts and offers for events at the Denny Sanford PREMIER Center.
• PREMIER Wellness Program.
• Paid community volunteer hours – PREMIER averages 30,000 hours per year.
• Fun employee parties.

• Emphasis on personal success, respect, health, wellness, fun, and giving back.
• Employees are rewarded, valued, and celebrated for hard work.
• Various career advancement opportunities and growth.
• Appreciation is shown through concerts, outdoor bashes, cash, car giveaways, and more.