Mortgage Banker

FB Financial•Asheville, NC

About The Position

Responsible for originating residential mortgage loans in a highly competitive environment by soliciting, negotiating pricing, initial underwriting, and projecting closing of complex residential loans in compliance with FirstBank lending policies and procedures.

Requirements

High school diploma or equivalent mandatory
3+ years of effective and proven sales experience
Knowledge of residential mortgage processing, underwriting, and closing procedures
Knowledge of mortgage loan regulatory requirements, residential products and functions also required
Ability to work independently with good project management skills and ability to adjust to ever changing environment.
Must be active and visible in the community to promote FirstBank and enhance business development efforts

Nice To Haves

Bachelor’s degree in a business-related major is preferred
Prior sales experience in the mortgage industry is a plus

Responsibilities

Managing Sales Activities – Developing a pipeline of new business from outside sales calling efforts and other networking exercises
Achieving specific production goals as set by the SVP of Mortgage Lending
Stay current on market and competitive trends and share information with customers
Complete required management reports which monitor the progression of new business in the pipeline
Develop and Manage Referrals
Solicit residential mortgages
Make sales presentations through contact with brokers, realtors, builders, and developers
Distribute approved promotional flyers/materials
Develop marketing strategies example “First Time Home Buyers” seminars, letters to past customers, attend realtor open houses
Network through professional, business and community organizations to market products
Work with assigned financial centers to ensure awareness of mortgage loan products and policies
Handle referrals timely from each financial center and provide timely updates and progress reports
Asset Quality Counseling and pre-qualifying potential home buyers
Obtaining all necessary support documents
Complete all paperwork in a timely manner to Serve as the borrower’s advocate and main contact during the underwriting, committing, and closing process
Customer Service – Responsible for fostering the FirstBank Experience in the following ways: Phones answered by the third ring, proper greeting on every telephone call, all customers greeted when entering the financial center, employees should stand and properly greet (handshake, eye contact, introduction) each customer before entering a meeting, use the customer’s name at least once, thank the customer, always get back to the customer before sundown.
Adhere to Policy and Procedures - Responsible for all compliance with bank policies, procedures, and operational integrity.