Mortgage CRA Loan Officer

Description

Job Summary:

Mortgage CRA Loan Officer originates CRA residential mortgage loans to low-to-moderate income customers through outside sales efforts. This position establishes relationships with nonprofit housing groups, state and local housing offices, and community-based affordable housing organizations to generate and increase CRA mortgage opportunities within targeted areas. Responsibilities include qualifying customers, submitting applications, and facilitating essential communication between parties throughout the process.

Primary Responsibilities:

The duties listed below are some of the duties that may be assigned and may not include all responsibilities that the person in this role may be asked to perform.  Incumbent may be required to perform other related duties as assigned.

• Promotes and increases mortgage loan volume, primarily focusing on CRA, low-to-moderate, and minority customers to generate residential mortgages.
• Establishes relationships with nonprofit housing groups, state and local housing offices, and community based affordable housing organizations to generate and increase CRA mortgage opportunities within targeted geographic markets
• Guide clients through mortgage loan options by advises customers on the mortgage loans that are appropriate for their individual financial circumstances.
• Partners with various down payment assistance programs within the state as well as city and county.
• Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations.
• Establishes and maintains relationships with industry-specific centers of influences such as real estate agents, builders, and contractors.
• Researches and complies with all appropriate bank policies and lending regulatory guidelines.
• Analyzes complex financial data.
• Ensures compliance with privacy laws and confidentiality policies throughout the loan process.

Supervisory Responsibilities:

• None.

Qualifications

Skills and Qualifications:

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.  Individual abilities may result in some deviation from these guidelines:

• Bachelor's degree, preferred, High School Diploma or GED acceptable if consummate with experience
• Three (3) years of mortgage lending experience with proven mortgage production
• Prior mortgage experience in developing external business relationships
• Good organizational skills
• Knowledgeable of Mortgage products, systems, terminology, tax requirements, down payment assistance programs, etc.
• Knowledgeable on agency and investor regulations and guidelines
• Must be able to build and maintain internal and external relationships to deliver high levels of service
• Must be able to multi-task competing priorities and meet tight deadlines
• Proficient in Microsoft Office products
• Sales acumen
• Strong written and verbal communication skill
• Attention to detail
• This position requires an active NMLS License.

 Computer and Office Equipment Skills:

• Microsoft Office Suite including Word, Excel, and PowerPoint

Physical Requirements:

The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

•  While performing the duties of this job this individual is regularly required to stand for long periods of time, walk, sit, talk, hear, use their hands and fingers (manual dexterity), use a telephone, and occasionally lift and /or move up to 50 pounds.
•  Specific vision abilities required by this position include, close vision, and the ability to adjust focus.
• In-person/on-site regular attendance is preferred

Mental Requirements:

• The ability to solve problems, make decisions, supervise others, interpret data, organize information, written and oral communication and read/write.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Encore Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, age, ancestry, citizenship, sex, sexual orientation, gender identity, national origin, marital status, genetic information, physical or mental disability, veteran status or any other characteristic protected by law.