Mortgage Banker

First Western Bank & Trust•Harrisburg, SD

25d•Onsite

About The Position

First Western Bank is searching for an on-site Mortgage Banker at our community bank in Harrisburg SD. At First Western Bank, we're more than a bank. We're a family-owned organization with a proud history of helping customers, businesses, and communities thrive. As we expand into Harrisburg, South Dakota, we're looking for talented individuals who are passionate about building relationships, delivering exceptional customer service, and making a difference in their community. Founded in 1964, First Western Bank has built its reputation on community stewardship, respect, excellence, dedication to customers, integrity, and trust. Team members who join our new Harrisburg location will have a unique opportunity to help establish our presence, build lasting customer relationships, and shape our reputation in one of South Dakota's fastest-growing communities. If you're looking for a career where you can make an impact, grow professionally, and help build First Western Bank's future in Harrisburg, we'd love to have you apply!

Requirements

Bachelor’s degree in accounting, finance, business related field; or equivalent work experience
Minimum 3 years of banking/lending experience
Knowledge of the secondary mortgage market
Knowledge of lending and lending policies & procedures
Able to be licensed and registered by the National Mortgage Licensing System (NMLS)
skilled in Microsoft Office (Publisher, Power Point, Word, Excel, Outlook) and necessary bank software

Nice To Haves

Knowledge of government loan programs preferred

Responsibilities

Develop new mortgage loan business for First Western Bank by developing a community network, soliciting business, responding to customer inquiries, and contacting mortgage referrals; oversee the mortgage loan process from application to closing; provide ongoing customer support with mortgage customers; and provide training for Mortgage Bankers as needed.
Assist the mortgage loan process from application to closing
Promptly respond to all inquiries and online applications
Interview prospective borrower to analyze financial and credit data
Determine customer’s financing objectives and advise customer of product/pricing and guidelines
Take detailed loan applications, turn completed files to processing team and help resolve any problems
Ensure all loans comply with regulatory, legal and bank requirements; including timely and accurate delivery of required disclosures
Assist with training/mentoring other Mortgage Bankers
Provide ongoing customer support; including education, advice, progress reports, answering questions, and resolving problems
Maintain a clean pipeline with an organized follow-up approach and clear communication in relation to interest rate locks, closing dates, extensions, etc.
Establish and maintain an effective network of mortgage referral sources such as realtors, contractors/builders, financial planners, accountants, and others
Maintain knowledge of underwriting criteria
Represent and promote the company to the public and provide leadership through community involvement
Participate in marketing the bank’s products and services