Education A B.S. or B.A. degree in a business-related field or equivalent knowledge. Experience A minimum of two (2) years of experience in related positions normally required. Preferred Skills
- Proficient reading, writing, grammar, and mathematics skills.
- Thorough knowledge of current mortgage lending regulations, i.e., Reg. B, RESPA, HMDA, Reg. Z, etc.
- Excellent interpersonal relations, communication and sales skills.
- Proficient PC skills.
- A working knowledge of bank operating policies and procedures which impact mortgage loan services.
- A thorough knowledge of the features and benefits of all bank mortgage loan products and services.
- A thorough knowledge of the mortgage lending documents.
- A thorough knowledge of real estate law and credit underwriting guidelines.
- Visual and auditory skills.
- Valid driver's license.
- Ability to work flexible schedule.
Role and Responsibilities Responsible for actively participating in the bank's sales and business development program; performing various duties to develop new mortgage business, including but not limited customarily and regularly engaging in sales activities away from the Bank's offices and any home office; reporting pertinent information to the immediate supervisor and providing required information on sales and service activities; maintaining a current knowledge of applicable laws and regulations. Essential Duties
- Actively participates in the bank's sales and business development program as follows:
Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be done in conjunction with the Mortgage Division's annual marketing/sales plan; achieves these objectives. Solicits, via in-person, off-site contact whenever possible, new business from both present and prospective customers; maintains ongoing contacts with present customers in order to enhance cross-selling activities; maintains detailed records of meetings with prospective or present customers. Serves as a member of the bank's sales team and works with other members of the sales/service team in striving to increase sales opportunities. - Performs a variety of duties to develop new mortgage business including, but not limited to, the following:
Develops relationships with customers, realtors, and community and civic organizations to generate new business. Locates and contacts prospective customers to present the bank's financial services and to ascertain banking needs. Develops financial plans based on type of loan services as required by customers. Spends time engaged in sales activities each week away from the Bank's offices and away from any home office. - Reports pertinent information to the immediate supervisor as requested, or according to an established schedule, i.e., reports weekly sales activities to the Residential Mortgage Manager; compiles information as necessary or as directed; provides sales information on a timely basis in order that this information may be included as part of monthly and year-to-date sales performance reports.
- Maintains a current knowledge of laws and regulations which impact mortgage banking services.
- Coordinates departmental tasks with coworkers inside and outside the department in order to ensure an efficient process and the completion of essential tasks needing proper segregation of duties.
- Responds to inquiries relating to his/her particular area, or to requests from customers, other bank personnel, etc., within given time frames and within established policy.
- Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the work place.
- Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.
Ancillary Duties 1. May attend sales and trade meetings as the bank's representative to recommend new business and to gain information and leads on prospective accounts. 2. Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances. Physical Requirements
- Occasionally ascends/descends stairs to move through the different floors of the location.
- The person in this position needs to occasionally move about inside the office to accomplish tasks.
- Frequently communicates with others to exchange information.
- Constantly moves wrists, hands, and/or fingers.
- Must be able to operate a motor vehicle.
- Must be able to assess the accuracy, neatness, and thoroughness of the work assigned.
- No adverse environmental conditions expected.
- Sedentary work that primarily involves sitting/standing.