Mortgage banker job description

The Junior Mortgage Banker proactively solicits new residential mortgage business and sells Renasant mortgage products to meet established loan quality and production goals. In addition, this individual is responsible for the performance of, but not limited to, the below listed duties:
RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Responsibilities

* Identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities
* Conducts interviews with prospective borrowers in order to analyze financial and credit date, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information
* Work with Mortgage Processor and Mortgage Operations to ensure that loan documents are submitted to Mortgage Operations within specified time frame
* Work with Mortgage Processor and Mortgage Operations to ensure loan conditions are met and continue on-going communication to customer regarding loan status
* Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements
* Regularly participates in community efforts to promote home ownership
* Complies with all Federal and State compliance policies and adheres to HMDA requirements
* Meets with customers as necessary during various stages of loan process
* Provides complete loan applications to Operations center partners
* Utilizes Renasant mortgage training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customers and internal business partners
* Achieves production goals as established by Renasant Mortgage
* Oversees and ensures successful completion of all assigned Mortgage Banker training activities
* Responsible for complying with BSA policies and procedures
* Other related duties as assigned

Qualifications

* High school diploma or equivalent
* One to two years job-related experience
* Ability to originate 1-4 family residential mortgage products
* Thorough knowledge of FHLMC/FNMA, FHA, VA and other general mortgage banking lending procedures and requirements
* Ability to deal cordially with the public
* Ability to organize time effectively
* Ability to comprehend and learn in a short period of time
* Ability to represent Renasant Bank in a professional manner projecting the image of "Customer Focused Banking"

Physical Demands

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.

Work Environment

The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank's employees, customers, and assets.

The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word "May".

This job description is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties. Other duties may be assigned as needs arise.

This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description. All requirements may be modified to accommodate physically or mentally challenged staff members reasonably.

AmeriSave Mortgage Corporation is seeking a Mortgage Banker with an active NMLS number to join our winning team. The ideal candidate has a competitive spirit, a customer focus and a passion for selling. Candidates must be detail-oriented with strong written and verbal communication skills.

At AmeriSave, we're one team with one shared dream - to be the best. We're dedicated to building an inclusive culture where employees are empowered and supported to do their best work.
Why AmeriSave?

What we'll find at AmeriSave is that we don't just set you up for success, we set you up to WIN. Team members are provided with cutting edge origination software, CRM, marketing automation, data reporting / analytic software, and leading mortgage application technologies to help make more deals happen. Our culture at AmeriSave is casual and fun, and we offer competitive compensation and benefits.

AmeriSave is the company you've been waiting to work for!

We also offer:

* Low cost platform with competitive product pricing.
* Advanced technology that fosters a smooth and streamlined process with speedy turn times that will delight your clients.
* Cross training for all Loan Originators with ability to offer Conventional, FHA, Jumbo, USDA, and VA products.
* Licensing maintenance and continuing education courses provided (licenses in multiple states).
* Aggressive compensation plans -- the majority of AmeriSave's LO's are making over six figures.
* Benefits package to include medical, dental, vision and prescription drug coverage as well as 401(k) benefits.

Responsibilities

* Consult with borrowers, listen to their needs and help them evaluate AmeriSave's options
* Manage a pipeline of both purchase and refinance
* Use AmeriSave's state-of-the-art technology to qualify the borrower for one or more of our loan programs
* Establish an ongoing relationship by delivering best-in-class customer service
* Be knowledgeable about our loan programs and financing options

Requirements

* Recent mortgage loan origination experience required; call center environment preferred
* Must meet all Nationwide Mortgage Licensing System & Registry (NMLS) requirements
* Understanding of mortgage regulatory guidelines
* Strong negotiation skills
* Ability to quickly connect and establish a great rapport with people
* Ability to work in a fast-paced environment while handling competing priorities effectively
* Self-motivated, driven, high-energy and a positive attitude
* Detail oriented and results driven
* Strong desire to succeed in a sales environment and to be a top producer
* Proactive with a strong sense of urgency
* Excellent written and verbal communication skills
* AmeriSave is an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

California Consumer Privacy Act Disclosure Acknowledgment

Employment Applicants, New Hires, and Employees Residing in California

AmeriSave Mortgage Corporation's California Consumer Privacy Act Policy Statement ("Policy") can be reviewed here: www.amerisave.com/privacy-policy.

When AmeriSave's Human Resources Department makes future requests for personal information, the same Policy is applicable. By applying, you understand this acknowledgment covers current and future personal information requests. You also acknowledge the business purpose of the personal information collected and that future requests may occur while applying for a position at AmeriSave and/or during employment, if applicable.

Summary: As a Mortgage Banker - Customer Solutions Center, you are more than just a financial resource for our customers; you are their partner in creating a brighter future. You would be working in a fast-paced and exciting role servicing our Mortgage customers as well as recommending and referring additional financial products and services, based on their needs.
Duties & Responsibilities:

+ Answer inbound mortgage and personal credit line customer telephone inquiries

+ Obtain data from each caller to research and resolve issues relating to mortgage and personal credit line accounts, including maintenance, payments, escrow research, document ordering, etc.

+ Review and follow-up with resolutions regarding customers concern/question

+ Serves as a subject matter expert for Huntington Retail and Customer Solution Center colleagues.

+ Build quality relationships by recommending and referring additional products and financial services, based on customer needs (Mortgages, Equity Lines of Credit, Checking, Saving and Money Market accounts, etc).

+ Work closely with internal mortgage servicing departments and 3rd party vendors to research and resolve customer issues.

+ Performs other duties as assigned.

Basic Qualifications:

+ High school diploma or GED

+ Minimum 3 years customer service experience

+ Minimum 1 year retail, call center, or telemarketing sales experience

Preferred Qualifications:

+ Some college education preferred

+ Strong verbal communication skills with clear pronunciation are necessary and will be assessed during the initial Human Resources Interview

+ Banking/Call Center experience preferred

+ Knowledge of Consumer and/or Mortgage Lending preferred

+ Must be able to handle multiple tasks simultaneously in a fast-paced environment

+ Dependable and able to work in a structured environment with set lunches and breaks

+ Experienced in working with multiple computer systems and being able to toggle between systems/screens

+ Strong organizational skills

+ Excellent written communication to document phone conversations

+ Passion for sales and service, positive attitude, and desire to learn

Workplace Type:

Hybrid

EEO/AA Employer/Minority/Female/Disability/Veteran/Sexual Orientation/Gender Identity

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Agency Statement: Huntington does not accept solicitation from Third Party Recruiters for any position