Mortgage Banker - Retail

Commerce Bank • Leavenworth, KS

216d • $37,000 - $37,000 • Hybrid

About The Position

The main purpose of this job is to originate home loans. The primary focus will be to drive new sales within our available lending territory. Growth will likely include managing current client base; as well as, a plan of action to increase market share attracting new clients.

Requirements

• Intermediate knowledge of mortgage products
• Strong credit risk analysis and loan origination skills
• Ability to focus on customer's needs, both internal and external, to develop and sustain productive customer relationships ensuring the opportunity to increase products per household
• Develop and maintain collaborative relationships to facilitate and achieve corporate results
• Ability to achieve an exceptional level of technical and professional skills/knowledge in job-related areas; keeping abreast of current developments and trends in area of expertise
• Ability to take prompt and proactive actions to accomplish objectives
• Ability to maintain a valid driver's license and meet Commerce Bank's driving record criteria
• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
• Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
• Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
• Basic level of proficiency with Encompass, Blend, Microsoft Office Suite, Optimal Blue and Total Expert are preferred

Nice To Haves

• Bachelor's degree preferred
• 3+ years lending experience required

Responsibilities

• Network both with internal and external referral partners to build book of business (ie - realtors, builders, etc.)
• Visit Commerce branches within assigned geography on a weekly basis to meet with Commercial Bankers and customers to discuss mortgage products
• Manage production pipeline and documentation collection while coordinating with fulfillment team to ensure an efficient flow. Communicate between borrowers and referral partners.
• Analyze applicants' financial status, creditworthiness, and property evaluation to determine eligibility and feasibility of granting home loans
• Provide financing options and customize solutions by conducting a deep dive analysis of the application, credit profile, financials, etc. and ensuring options offered fit within the guidelines of the lending/sellers guide(s) by product type (FHA/VA, Conv, HELOC). Follow the ASK LISTEN SOLVE process of discovery and proposing options.
• Pre-underwrite file to obtain and analyze documentation, in a timely fashion, regarding employment, credit, income, assets and collateral. Verify documentation meets CMC/Investor/Agency Standards prior to submission to our operations partners.
• Adhere to CBI Code of ethics, Do not Call Regulations, Privacy and Opt-Out procedures, HMDA data collection, Suspicious Activity procedures, Adverse Action requirements, Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Commerce's pricing policies, and all Fair Lending policies and procedures
• Manage and deliver best in class client care to an active loan pipeline of up to 20 loans in a pre-funded status
• Manage and deliver best in class client care to an active lead pipeline of up to 150 clients utilizing lead management data base and all of its capabilities
• Timely communicate updates and requests to clients in accordance with current Service Level Agreements (SLA's) and compliance industry regulations.
• Maintain continual, consistent, and open communication with all appropriate parties to the transaction in accordance with current Service Level Agreements (SLAs) to ensure a timely closing that exceeds the client's expectations.
• When called upon, provide customer / conversion feedback to leadership team, marketing team, secondary marketing team and technology team
• Perform other duties as assigned

Benefits

• Employer sponsored health, dental, and vision insurance
• 401(k)
• Life insurance
• Paid vacation
• Paid personal time
• Career development
• Education assistance
• Voluntary supplemental benefits

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Associate degree
• Number of Employees: 1,001-5,000 employees