Affordable Housing Mortgage Lender (CRA) - Nevada

Nevada State Bank•Sparks, NV

2d•Onsite

About The Position

Nevada State Bank, a division of Zions Bancorporation, N.A., is seeking a CRA Residential Mortgage Lender to provide top-notch customer service. If you are passionate about being part of a community, a team player, and helping others reach their financial goals, we are interested in speaking with you. This role involves soliciting and originating residential CRA home loans, developing mortgage business through various channels, and ensuring compliance with regulatory guidelines. You will assist customers with loan information, manage interest rate locks, prepare and send disclosures, and submit information for automated underwriting. The position also requires communication with customers throughout the process, collaboration with processors through closing, and developing internal relationships for cross-selling opportunities. Financial responsibilities include creating and maintaining mortgage and residential construction loans. Other duties may be assigned.

Requirements

Requires a four year college degree and 2+ years of CRA and residential mortgage lending origination experience, preferably 5+ years in a production environment, including residential construction or other directly related experience.
A combination of education and experience may meet requirements.
Advanced knowledge of residential CRA, construction and/or mortgage lending, processing, credit analysis and mortgage regulations.
Knowledge of reporting, regulatory and compliance requirements.
Broad knowledge of mortgage loan products, secondary market, and underwriting guidelines.
Proven sales experience and track record of achievement of sales.
Excellent communication, interpersonal and organizational skills.
Working knowledge of federal, state, and local regulatory mortgage lending requirements.
Ability to work with various types of computer software. word processing, spreadsheets, etc.

Nice To Haves

preferably 5+ years in a production environment, including residential construction or other directly related experience.

Responsibilities

Solicit and originate residential CRA home loans and develop mortgage business for the bank through previous contacts, relationships and referrals form real estate agents, builders, developers, and branches.
Ensure compliance with regulatory guidelines in the performance of loan originator duties.
Assist customers with information about loan types and interest rate options, locking interest rates as requested by the customer, preparing, and sending initial disclosures to customers and submitting information to automated underwriting software.
Ensure any re-disclosures are made timely.
May order appraisals through system, arrange for title search and obtain necessary documents.
Communicate with the customer throughout the process and work with processors through closing.
Develop and maintain internal relationships to drive cross-sell opportunities for other bank products.
Develop financial responsibilities that are focused on creating and maintaining mortgage and residential construction loans.
Other duties as assigned