RESPONSIBILITIES

• Originate HELOCs (Home Equity Line of Credit), portfolio loans, and fixed rate loans which are sold in secondary market including purchases and refinances
• Initiate and Execute revenue generating activities including business development, customer and referral relationship development, community outreach, schedule/attend closing (if applicable) and financial education with documentation in CRM software
• Manage pipeline and customer expectations through communication throughout the loan process
• Structure loans according to customer goals and overall credit acceptance practices utilizing the 5 C's of credit for pre-qualifications and active loan requests
• Collect, analyze and communicate with borrower the initial required information needed to process/underwrite a loan including income/assets, credit and collateral related documentation to determine qualification through the Automated Underwriting System (AUS)
• Prepare write up of borrower request and any unique characteristics of the loan to assist future loan partners with assistance from regional leader or mentor and obtain appropriate loan approval.
• Cross sell additional bank products and services as well as provide constructive financial counseling and plan for future loan requests
• Perform tasks on loan files to comply with Freddie Mac guidelines, Mortgage Insurance guidelines or specific product requirements and bank specific details such as ordering PMI, interest rates, rate locks and in the event of denied/withdrawn applications, adverse action
• Review and communicate explanation of loan disclosures including the Loan Estimate and Closing Disclosure
• Maintain awareness of and adhere to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
• Deliver a consistent, high level of service within our Serving More standards
• Other duties as assigned

COMPETENCIES

• Interpersonal/Customer Service Skills
• Written and Verbal Communication
• Ability to understand and follow directions
• Adaptable to change
• Basic Computer Skills
• Ability to influence others
• Ability to build collaborative relationships
• Ability to work as part of a team
• Organized Skills/Detail Oriented
• Analytical Thinking
• Technical Expertise

ADDITIONAL INFORMATION

This position is non-exempt and full-time. Responsibilities extend beyond traditional office hours; seven days a week and evening hours are at times required. Associates will respond to internal and external stakeholders as needed to successfully progress the loan to closing. Frequent overtime may be required during peak hours.

JOB REQUIREMENTS

High School Diploma or GED required.

NMLS or ability to be licensed within 30 days.

Travel will be required to meet with clients, Realtors, Community Leaders, visit various markets and regional offices.

This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

A FWA is available for this position. Some onsite hours are required.

Experience

• 3 - 5 years: 3 to 5 years’ experience in retail banking/lending or mortgage underwriting field required

Education

• High School or better

Licenses & Certifications

• NMLS