Minimum 5 years experience in originating mortgages and portfolio-type products
Bachelor's degree required, preferably in business, finance, or management
Knowledge of wholesalers and rate sheets, as well as underwriting processes
Strong consultative sales skills and excellent communication abilities
Detail-oriented with excellent organizational skills
Ability to manage multiple priorities and work independently or as a team
Creative problem solver with high integrity and self-motivation
Responsibilities
Develop and retain commercial business in designated region
Independently make calls and accompany experienced personnel on larger account visits
Gather financial and business information to perform credit analyses
Develop knowledge of commercial products, loan policy, and regulatory requirements
Build a growing network of referral sources for new business
Ensure compliance with applicable laws and guidelines
Meet attendance standards and carry out additional assigned duties
Benefits
Opportunities for professional development and continued education
Access to a supportive team environment with experienced personnel
Flexible work environment that allows for independence and initiative
Accommodations available for qualified individuals with disabilities
A culture that values integrity and ethical practices
Full Job Description
Develops and retains commercial business, meeting with prospects and clients of moderate size and complexity in a designated region to achieve a moderate sales goal under limited supervision of more experienced personnel.
Makes calls independently and may accompany more experienced personnel on larger account visits.
Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and clients to close sales.
Develops broader knowledge base of commercial and other products and services, including loan policy, documentation, structuring and regulatory requirements.
Continues developing growing network of outside referral sources for new business.
Ensures that own work, as well as work of any employees supervised, is in compliance with applicable laws, regulations and guidelines.
Remain compliant with bank guidelines, policies, procedures, regulatory and BSA requirements.
Good communication skills, good computer skills, accuracy, flexibility, ability to handle high stress situations, regular and predictable attendance, exercise discretion and good judgment, follow instructions.
Reasonable accommodation will be provided to qualified individuals with disabilities. Other job duties as assigned.
Requirements
Minimum 5 years of experience in originating first and second mortgages, construction loans, home equity lines of credit and other portfolio-type products.
Bachelor's degree required. Degree in business, finance or management preferred. Wholesalers and rate sheets knowledge. Underwriting knowledge, from origination to loan closing and construction draws.
Strong consultative sales skills.
Excellent communication skills (written, verbal, listening).
Detail-oriented and well-organized.
Ability to handle multiple priorities and produce results.
Ability to work independently as well as part of a team.
Ability to handle frequent changes.
Ability to maintain confidentiality and adhere to the institution's privacy policies.
Ability to meet attendance standards and work overtime if needed.
