Mortgage Banker

City National Bank of Florida•Coral Gables, FL

About The Position

The Mortgage Banker is responsible for mortgage loan production throughout an assigned market, primarily through self-sourced mortgage business. The role advises prospective and existing mortgage customers and grows production through referrals from local builders, real estate agents, contractors, affinity partners, and past clients. The Mortgage Banker is expected to maintain an exceptional customer experience and ensure mortgage applications comply with applicable state and federal laws, regulations, and bank policies and procedures. The role develops customer relationships and business beyond the retail branch network, recommends loan solutions suited to lending guidelines and client requirements, and manages the customer pipeline. It also includes compliance responsibilities, including adherence to Fair Lending requirements and completion of required compliance training by direct reports. The Mortgage Banker must meet S.A.F.E. Act requirements and follow procedures for notifying Human Resources of changes in current status.

Requirements

2–4 years of mortgage sales experience.
High school diploma or GED equivalent.
Effective communication skills, including the ability to transmit, receive, and accurately interpret ideas, information, and needs.
Knowledge of sales principles, processes, techniques, and tools, and the ability to develop future-oriented sales plans aligned with business strategy and market opportunities.
Knowledge of residential mortgage instruments and the ability to apply them to specific situations.
Knowledge of and ability to sell an organization’s products and services.
Ability to apply knowledge of banking products and services to customer needs and financial goals.
Ability to identify prospecting approaches and create opportunities to sell financial solutions and ideas to customers.
Ability to implement strategies and techniques that support a positive customer experience at every touch point.

Nice To Haves

Bachelor’s degree in Business, Finance, or a related field is preferred but not required.

Responsibilities

Meet and exceed individual and/or team sales goals, including applicable deposit and loan goals.
Increase conforming loan applications through marketing and referrals from centers of influence, previous customers, and client referrals.
Introduce self-sourced customers to other lines of business within the bank.
Develop business outside the retail branch network through real estate agents, homebuilders, relocation services, cold calling, and other channels.
Recommend loan solutions in accordance with lending guidelines and clients’ requirements.
Collect and analyze customer financial information for multifaceted and/or complex borrowers.
Develop and prepare loan solutions, refer products and services, and review documentation for compliance.
Manage the customer pipeline for efficiency.
Ensure compliance with bank policies and regulatory guidelines, including Fair Lending.
Ensure direct reports complete required compliance training on time.
Meet S.A.F.E. Act requirements and follow procedures, including notifying Human Resources of changes in current status.
Maintain an exceptional customer experience with prospective and existing customers.