Community Lending Mortgage Banker

City National Bank • Nashville, TN

6d

About The Position

This position sells first mortgage and concurrent second loan products to existing and prospective clients in diverse banking segments. The Community Lending Mortgage Banker conducts outside sales and business development to cultivate new business, expand client relationships, and promote mortgage products and services within an assigned territory. The role involves meeting with clients and referral sources away from CNB offices, assessing client needs, presenting mortgage solutions, and providing ethical loan counseling. The banker serves as a liaison between customers and the Bank during processing and underwriting and completes applications in accordance with Bank policies, product guidelines, applicable laws, and regulations.

The role focuses on increasing mortgage lending, particularly for underserved communities, low- to moderate-income consumers and geographies, and other targeted areas. It also involves developing referral networks, supporting community organizations, meeting sales goals, staying current on products and regulatory requirements, and maintaining proficiency with the Bank’s mortgage-related software. The position requires compliance with the SAFE Act and applicable Nationwide Mortgage Licensing System and Registry requirements.

Requirements

• High school diploma.
• At least 5 years of retail residential mortgage sales experience.
• At least 3 years of mortgage or financial experience as part of a community lending team.
• At least 5 years of experience with diverse and underserved clients.
• Must be in good standing under the SAFE Act and registered/licensed with the Nationwide Mortgage Licensing System and Registry, or able to be registered under the SAFE Act; must remain in good standing.
• Must meet SAFE Act requirements, including successful completion of required background checks and obtaining a Unique Identifier from the NMLS.
• Demonstrated superior sales and marketing ability.
• Professional, thoughtful, clear, and effective written and verbal communication across audiences inside and outside the Bank.
• Knowledge of mortgage credit policies and current industry compliance standards.

Nice To Haves

• A network of professional and nonprofit referral sources is highly preferred.
• A BA/BS degree is highly preferred, with preference for business, finance, or economics.
• Preferred experience with Net Oxygen, Salesforce, Blend, and Microsoft Office suite.

Responsibilities

• Originate residential mortgage loans and related bank products, and expand referral-source networks.
• Conduct outside sales and business development with clients, designated representatives, and referral sources at locations away from the office.
• Provide sound and ethical loan counseling to prospective applicants.
• Act as liaison between the Bank and customers during processing and underwriting to support timely processing and customer service.
• Complete loan applications and related processes in accordance with Bank policies, procedures, product guidelines, applicable laws, regulations, and accepted business practices.
• Forward substantially complete application packages to Processing and Underwriting in a process that adheres to TRID requirements.
• Develop or implement sourcing strategies as required by written goals.
• Meet or exceed quantitative and qualitative goals and pursue compensation goals consistent with their intent and the CNB brand.
• Stay abreast of sales and business development techniques, product offerings, legal and regulatory requirements, and industry and real estate trends.
• Acquire and maintain proficiency in software systems used directly or indirectly for mortgage originations.
• Attend regularly scheduled sales meetings, training sessions, and Bank functions.
• Perform other duties as requested or assigned by management, including special projects within the Residential Lending Division.
• Foster and maintain active relationships with civic organizations in assigned territories for community service and business development.
• Support nonprofit organizations and make a positive impact in the community.
• Increase mortgage loan volume, focusing primarily on underserved communities, low- to moderate-income consumers and geographies, and targeted areas.
• Promote the Bank’s CRA efforts, fair and responsible banking goals, and service to underserved communities.

Benefits

• Medical, dental, and vision coverage available the first of the month following start date.
• Generous 401(k) company matching contribution.
• Tuition reimbursement and other internal upskilling and training resources.
• Vacation, sick, and volunteer time.
• Fertility benefits and cancer, diabetes, and musculoskeletal support programs.
• Career mobility support from a dedicated recruitment team.
• Colleague Resource Groups for networking and community engagement.
• Eligible for bonus and/or commissions.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED