What are the responsibilities and job description for the Mortgage Banker position at First PREMIER Bank?
Location: Sioux Falls, SD
Shift: M-F 8am - 5pm
Job Schedule: Full-Time
Company: First PREMIER Bank
About the Role
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.
Job Duties and Responsibilities
- Originate secondary market real estate loans.
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Process applications as needed.
- Assist with all areas of mortgage process from application through closing as needed.
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Schedule appointments.
- Interview applicants.
- Determine eligibility and appropriate loan programs.
- Complete applications.
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Schedule closings.
Cross-sell other Bank products and services.
- Read updates and guidelines changes for FHA, VA, SDHDA and Conventional loan products and regulatory issues.
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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.
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Turn rate calls into sales calls.
Build awareness of mortgage loan products and rates within and outside the Bank.
- Participates in community civic and social organizations.
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Receive sales leads and contact potential customers.
Outside sales meetings consisting of 30 to 40% of time from the office 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.
Explains terms available to customers.
Compile and present documentation to customers.
Finalize loan sale.
- Provide assistance to VP, Mortgage Banking Manager, to develop and conduct department training.
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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.
Skills and Qualifications
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 required 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, sales planning skills.
Demonstrate strong verbal and written communication skills.
Ability to maintain confidentiality required.
Basic computer skills.
Proficiency of 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.
Competitive Benefits Package
- 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
Our Culture
- 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
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
At First PREMIER Bank and PREMIER Bankcard, we’ve created a culture that emphasizes personal success, respect, health, and wellness, fun and giving back. This is an environment where you will be rewarded, valued, and celebrated for your hard work.
We offer a robust and expanded package of health benefits, incentives, paid time off and growth and career advancement opportunities. We celebrate our employees and show our appreciation with private concerts, outdoor bashes, cash and car giveaways and more! See some of our epic celebrations and employee recognitions.
Considered one of the nation’s strongest financial organizations, we’ve achieved our success by embodying the views and values of The PREMIER Way. From our CEOs to the newest hires, we all follow these shared views and values to guide us on how to treat our customers, co-workers and communities. The PREMIER Way also serves as a roadmap on how to be successful inside and outside of the workplace. We believe in investing in our employees, their families and our communities.
To ensure timely communication during the application process, please ensure that the “My Presence” portion of your profile is kept current. This should include your most recent phone number and email address. Additionally, please upload any relevant documentation, such as a cover letter and resume. Initial contact will be made via email. Please check your email regularly for any updates or sign in at Careers to view any status changes.
Neither First PREMIER Bank nor PREMIER Bankcard, LLC discriminates in hiring or employment on the basis of race, color, religion, gender, national origin, age, disability, protected veteran status, or status within any other protected group.