Community Development Mortgage Loan Officer
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About The Position
The Community Development Mortgage Loan Officer is responsible for establishing and maintaining effective community relationships with Realtors, not-for-profits, and governmental agencies which result in lending opportunities related to CRA and Fair Lending. Incumbent is responsible for sourcing and managing community lending and diverse market program initiatives with internal and external partners, which generate mortgage loans that impact the Bank's CRA and Fair Lending performance. Initiatives include local affordable housing lending assistance programs, homebuyer seminars, and other special programs as approved. Loan Officer is expected to call on government sponsored entities and (private) not-for-profit housing agencies supporting low-to-moderate income housing interests and initiatives in the markets they serve. Goal is to originate and process 1-4 family residential real estate mortgage loans and develop long-lasting full-service banking relationships. Incumbent counsels borrowers to ensure they acquire a loan product appropriate to their circumstances. Assesses with customer the best options for the customer's needs and makes appropriate recommendations. Analyzes the prospective borrower's income and debt, counsels borrower on credit record or other problems, and pre-qualifies the borrower.
