Mortgage Banker

NATIONAL BANK OF COMMERCE • Morris, MN

78d • $29 - $44

About The Position

National Bank of Commerce (NBC) is a community bank committed to providing exceptional service and building strong, lasting relationships with our customers. We are looking for a highly motivated and results-driven Mortgage Banker to join our team in Morris, MN. The ideal candidate is a self-starter passionate about helping people achieve homeownership goals and contributing to the bank's growth. The Mortgage Banker is responsible for originating a high volume of residential mortgage loans by developing and maintaining strong relationships with clients, realtors, builders, and other referral sources. This role requires an in-depth knowledge of mortgage products, a commitment to exceptional customer service, and the ability to guide borrowers through the entire loan process from application to closing. This position primarily deals with direct, single-family loans, but the Banker should also be versed in other bank products such as home equity loans.

Requirements

• Requires National Mortgage Licensing Systems (NMLS) registration under the S.A.F.E. Act.
• Broad knowledge of real estate lending techniques and practices.
• A minimum of 2-5 years of experience in mortgage origination is preferred.
• In-depth knowledge of mortgage loan products, including conventional, FHA, VA, and construction loans.
• Strong communication, sales, and negotiation skills.
• A proven track record of meeting or exceeding sales goals.
• The ability to work independently and manage a pipeline efficiently.
• Patience, tact, and professionalism in dealing with customers, co-workers, and business contacts.
• Commitment to exhibiting NBC core values: Respect, Integrity, Teamwork, and Accountability.

Nice To Haves

• Bilingual, fluent in English and Spanish.
• Bachelor's degree in a related field, or an associate’s degree in business or a combination of experience and education.
• Existing network of professional referral sources in the local market.
• Familiarity with loan policies, credit culture, and NBC’s products and services.

Responsibilities

• Actively seek out and develop new mortgage lending opportunities, spending significant time on community involvement and outside sales activities.
• Build and maintain a referral network with real estate professionals, financial planners, and other industry contacts.
• Interview loan applicants to determine their financial needs and objectives, analyzing financial data, credit reports, and other information to recommend suitable loan products.
• Act as the primary point of contact for borrowers, ensuring they are informed and supported throughout the loan process.
• Work closely with the underwriting and processing teams to ensure a smooth and efficient loan process.
• Gather and review all necessary documentation to ensure loan files are complete and compliant with federal regulations and bank policies.

Benefits

• Health, dental, and vision plan for you, your spouse, and eligible children.
• Health Savings Account (HSA) contribution (including employer contributions).
• Flexible spending accounts.
• 401(k) plan with a generous match.
• Paid time off program.
• Paid holidays & floating holidays.
• Volunteer time off program.
• Employer paid life insurance.
• Voluntary life plans.
• Short-term disability insurance.
• Long-term disability insurance.
• Health and wellness incentive.
• Employee assistance program.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Bachelor's degree
• Number of Employees: 51-100 employees