Mortgage Lender

FIRSTAR BANK•Fayetteville, AR

1d•Onsite

About The Position

Responsible for business development and growth of residential loans and bank products. This role involves making outside sales calls to potential and existing customers, developing relationships with local realtors, developers, and builders, and generating mortgage loans to achieve established production goals. The Mortgage Lender will interview applicants, request necessary information for loan reviews, coordinate closing arrangements, and maintain knowledge of bank products and services. Staying current with FNMA underwriting guidelines, regulatory guidelines, and new loan programs is essential. The position also requires obtaining and maintaining an NMLS license, providing quality customer service, maintaining confidentiality, and setting production goals. Additionally, the Mortgage Lender will direct and supervise Mortgage Processor(s), manage the pipeline to ensure timely closings, and represent Firstar Bank in civic and community functions.

Requirements

Thorough understanding of mortgage lending principles and practices as well as knowledge of government/compliance regulations.
Advanced financial analysis skills, strong negotiation and sales skills.
In-depth knowledge of credit analysis.
Well-organized and good time management skills.
Ability to be proactive and positive when building relationships with customers.
Comfortable with working in a team environment.
Excellent written, verbal, and presentation skills.
Ability to work independently, without close supervision, in a fast-paced environment.
Interpersonal skills with all levels of the organization to include coaching and management.
Proficient computer skills – Microsoft Office Suite.
Bachelor’s degree or equivalent years of experience.

Nice To Haves

Mortgage/residential experience is preferred but not required.
Outside sales experience preferred.

Responsibilities

Make outside sales calls to potential and existing customers to develop new business and retain current business.
Develop and maintain relationships with local realtors, developers, and builders to encourage use of Firstar Bank services for residential mortgages.
Generate Mortgage Loans to achieve established loan quality and production goals.
Interview applicants and requests information needed to perform a sound review of the applicant qualifications.
Request applicant credit records, background checks, reference checks and other information pertinent to loan applicant’s evaluation as necessary to meet investor requirements.
Coordinate closing arrangements with the title company, applicant and other parties to assure timely loan closing and funding activities.
Maintain knowledge of and provide guidance on bank products and services appropriate to customers.
Stay current with FNMA underwriting guidelines, current regulatory guidelines and new loan programs.
Obtain and maintain NMLS license.
Provide quality service to all customers.
Maintain confidentiality of all customer and employee information.
Set production goals to meet budget requirements for year.
Direct and supervise Mortgage Processor(s) to see that lending guidelines and compliance are followed with each loan.
Make sure all training, education, and license requirements are met by direct reports.
Perform annual reviews and salary evaluations for direct mortgage staff.
Manage Pipeline to ensure files are being closed on a timely basis.
Represent Firstar Bank in various civic and community functions to further enhance its image and develop or promote additional business/consumer relationships.
Complete annual training as required.
Participate in bank/community activities.
Other duties as assigned.