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Mortgage banker skills for your resume and career

Updated January 8, 2025

3 min read

Below we've compiled a list of the most critical mortgage banker skills. We ranked the top skills for mortgage bankers based on the percentage of resumes they appeared on. For example, 23.7% of mortgage banker resumes contained customer service as a skill. Continue reading to find out what skills a mortgage banker needs to be successful in the workplace.

15 mortgage banker skills for your resume and career

1. Customer Service

Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.

Here's how mortgage bankers use customer service:

Utilized knowledge of product specific underwriting guidelines and superior customer service to establish client loyalty in heavily competitive national mortgage market.
Provided excellent customer service, managing and coordinating all aspects of an individuals loan application from origination to closing.

2. NMLS

Here's how mortgage bankers use nmls:

Maintained NMLS Department of Financial Institutions Originator Licensing with Arizona compliant with federal guidelines.
Positioned in the top 5% of all mortgage bankers in Nationwide Mortgage Licensing System and Registry (NMLS) testing.

3. Federal Regulations

Federal regulations refer to the set of rules, both general and permanent that are published in the Federal Register by the agencies of the federal government and the executive departments. Federal regulations are the large body of rules that govern federal practice. Examples of these laws include taxes and financial regulation, discrimination law, wages law, and so on.

Here's how mortgage bankers use federal regulations:

Used relationship and consultative sales approach to assist homeowners with navigating new industry guideline standards, underwriting and federal regulations.
Navigated complex financial data, state/federal regulations, and loan/investor requirements to deliver optimal loan solutions.

4. Bank Products

Those products which a bank offers to its customers are called bank products. There a variety of services that a bank offers to attract customers. Some of the banking products/ services are: giving loans, overdrafts, check payments, exchange of foreign currency, consultancy services credit, debit and ATM cards, home and online banking.

Here's how mortgage bankers use bank products:

Offer daily or weekend sweep accounts for qualified customers and Initiated promotion of bank products utilizing various marketing and advertising method.
Recognized as a Top Performer for promoting Bank products and generating qualified referrals, resulting in attracting new customers.

5. Loan Programs

Here's how mortgage bankers use loan programs:

Utilized proprietary technology to conduct credit and financial analyses and qualify clients for various loan programs.
Provided customer consultation for commercial and residential loan programs that fit individual needs.

6. Origination

Here's how mortgage bankers use origination:

Provided comprehensive origination, package development and closure for real estate secured loans and strategically negotiated interest rates.
Displayed unsurpassed management expertise in overseeing origination through funding while ensuring strict compliance with legal and corporate regulations.

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7. FHA

The Federal Housing Administration (FHA) stands for a government agency in the United States that offers housing insurance to FHA-approved lenders who follow certain conditions.

Here's how mortgage bankers use fha:

Specialized in FHA government backed loans for residential homeowners regionally.
Originate FHA and VA, conforming and jumbo loan products for sale to Fannie Mae, Freddie Mac and institutional investors.

8. Credit Data

Here's how mortgage bankers use credit data:

Evaluated financial and credit data for purchase and refinances applications.
Interviewed applicants; analyzed financial and credit data.

9. Cross-Selling

Here's how mortgage bankers use cross-selling:

Developed & coordinated successful marketing strategies that increased product cross-selling penetration.
Worked with bank branch managers to research and execute cross-selling opportunities for mortgage and banking products with established banking clients.

10. Residential Mortgage Loans

Here's how mortgage bankers use residential mortgage loans:

Generated residential mortgage loans through solicitation of individual consumers, networking groups, and assigned leads from parent company.
Originate residential mortgage loans from internally referred sources and external sources.

11. Loan Products

Here's how mortgage bankers use loan products:

Provide expert consultation and aggressively sell mortgage and consumer loan products.
Worked with different departments within the bank to provide the best loan products and services to existing and prospective customers.

12. USDA

Here's how mortgage bankers use usda:

Gained valuable knowledge about USDA loans
Provided rehabilitation construction financing in conjunction with USDA RD permanent financing to preserve affordable rental housing in West Virginia.

13. RESPA

Here's how mortgage bankers use respa:

Conducted RESPA application signing, collected required loan documents and prepared RESPA package for processing and underwriting.
Maintained compliance with all RESPA, HMDA, Fair Lending, ECOA and banking guidelines.

14. Fannie MAE

Here's how mortgage bankers use fannie mae:

Provided exceptional service to Fannie Mae/Freddie Mac Customer regarding refinance offers.
Demonstrated knowledge of Veterans Administration, Federal Housing Administration, Fannie Mae, and Freddie Mac and other lending institutions.

15. Jumbo

Here's how mortgage bankers use jumbo:

Offered lending solutions in standard and portfolio lending channels; specializing in jumbo financing and asset based portfolio lending.
Specialize in self-employed, non-conforming, jumbo, and asset dissipation mortgage loans.

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What skills help Mortgage Bankers find jobs?

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List of mortgage banker skills to add to your resume

The most important skills for a mortgage banker resume and required skills for a mortgage banker to have include:

Customer Service
NMLS
Federal Regulations
Bank Products
Loan Programs
Origination
FHA
Credit Data
Cross-Selling
Residential Mortgage Loans
Loan Products
USDA
RESPA
Fannie MAE
Jumbo
FNMA

Credit History
Loan Process
FHLMC
Freddie Mac
Past Clients
Loan Origination
Financial Statements
Client Service
Mortgage Products
Client Relationships
Commercial Banking
Business Relationships
Outbound Calls
Business Development
Financial Analyses
Anti-Money Laundering

Financial Data
Interest Rates
Cold Calls
Real Estate Professionals
Mortgage Process
Credit Reports
Loan Volume
Underwriting Guidelines
Client Satisfaction
Automated Underwriting
Mortgage Loan Applications
Buying Process
Lead Management
Inbound Calls
Educate Clients
Bank Secrecy Act

Updated January 8, 2025

Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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