Address
Form of work
SalaryOverview:
Principal Duites & Responsibilities:
Primarily responsible for the solicitation of residential mortgages to lower and moderate income families through active calling efforts to the Bank's retail branches, realtor's, developers, mortgage bankers, CDC's and other community based organizations involved in the development, sale and financing of affordable "for sale" housing. Backs-up solicitation efforts of mortgage loan officers.
Principal Duites & Responsibilities:
- Consistently meets or exceeds monthly production goals.
- Serves as a member of CRA Committee.
- Promotes and solicits applications for CitySmart and other Bank residential mortgage products to low and moderate income families.
- Bank’s primary contact with realtors, developers, mortgage bankers, CDC’s and other community based organizations involved in the development, sale and financing of affordable “for sale” housing.
- Participates actively in at least one CDC or other community based organization (non- profit) whose primary objective is to promote affordable housing ownership.
- Participates in housing fairs, seminars and other programs conducted to educate and promote affordable housing ownership.
- Meets with clients to identify the correct mortgage product for their financial and housing needs, reviews credit and DU findings, requests supporting documents, and works with applicants in completing and submitting their mortgage loan application.
- Backs-up the efforts of the conventional mortgage bankers.
- Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. Provides “best in class” service to the Bank’s clients who are referred for mortgage loans. Protects bank's image by keeping mortgage loan information confidential.
- Solid knowledge of FNMA loan underwriting guidelines and other laws and regulations.
- Works closely with underwriters to prepare appropriate packages to meet the criteria of investors and corresponding lenders.
- Stays abreast of industry trends to maintain CitySmart, Surtax and other Bank CRA loans competitive in the market place.
- Willingness to regularly call on clients/applicants and attend meetings and functions outside the Bank.
- Executes goals set forth in residential business plan.
- Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.
- 5-7 years of mortgage and/or financial experience
- Minimum 2 years outside sales experience
- Thorough understanding of underwriting criteria and guidelines - City, HUD (and other grant funded) related policies and procedures.
- Knowledgeable in all aspects of the Federal and State Regulations dealing with Mortgage and Home Equity lending.
- Knowledgeable on agency and investor regulations and guidelines.
- Must be able to multi-task competing priorities and meet tight deadlines.
- Must be able to build and maintain internal and external relationships to deliver high levels of service.
- Strong written and verbal communication skills.
- Must have professional appearance and demeanor at all times.
- Proficient in Microsoft Office products: Word, Excel, and Outlook
- High School Diploma or equivalent required.
- Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
- Please view Equal Employment Opportunity Posters provided by OFCCP here.
- The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
- Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at employment@citynational.com.
