Overview

This is a hybrid role, with the expectation that time working will regularly take place inside and outside of a company office.

The Relationship Mortgage Banker sells residential first lien mortgage loans in markets served by the Bank. Supported products include Fannie Mae conventional, construction perms, FHA, VA and USDA. In addition, nonconforming limit loans and a variety of portfolio products to include interest only and first-time homebuyer are offered. Pre-qualifies loan applicants by evaluating their financial position and recommending appropriate products. Streamlines processing by submitting loan packages that are accurate, complete, and compliant with applicable regulations. Monitors the progression of loans through the loan process, providing updates and answering inquiries to uphold service standards.

• Sales - Accomplishes mortgage loan production goals by initiating sales calls, identifying cross-sell opportunities, and other sales techniques. Negotiates rate and terms of loan with borrower in an effort to be competitive and profitable to the Bank.
• Loan Processing - Interviews applicants to assess their needs, evaluate their financial position, and identify appropriate product offerings. Utilizes information to facilitate loan processing, prequalifying applicants, obtaining all required documents, and submitting a completed application.
• Business Support - Coordinates the progression of loans throughout the loan process with associates, appraisers, and attorneys. Ensures adherence to regulatory and corporate guidelines, and that quality and service standards are upheld. Provides updates and responds to client inquiries. May serve as the only mortgage delivery group in the area.
• Loan Proficiency - Maintains a current knowledge of trends and developments in all the Bank's servicing areas, as well as changing rules and regulations pertaining to both private and government-insured mortgages in serviced markets.