Mortgage Relationship Manager

Studio Bank•Chattanooga, TN

17d•Hybrid

About The Position

Studio Bank's mission is to empower creators. Whether you're designing a company or creating a better life for your family, crafting a song or writing code, orchestrating social change or enhancing the quality of care, we want to collaborate with you. A studio is a place where creators do their thing. Welcome to yours. From our inception, we invested a lot of time defining what a "best place work" means to us. What developed from those conversations (and continues to develop) is a vision for a company with a clear purpose and mission, with a culture that inspires accountability, trust, commitment, transparency, initiative, fellowship, collaboration, innovation, continuous learning, fun, and ultimately a wonderful quality of life. Our company is proudly certified as a Nashville Living Wage Employer and has been repeatedly recognized as one of the Nashville's Business Journal's "Best Places to Work"! At Studio Bank, we are committed to an exceptional employee experience, unlike any other in Nashville and Chattanooga today - from culture and values to rewards, recognition, and development (and everything in between). Careers at Studio include competitive benefits and wellness offerings, equity ownership, continuous learning, open-door access to leadership, community involvement, and plenty of perks!

Requirements

Thorough knowledge of mortgage lending principles including underwriting and documentation.
A basic understanding of consumer mortgage lending laws and regulations.
Self-motivated and performance driven sales attitude.
Ability to calculate figures and amounts such as interest, financial ratios and percentages.
Ability to read and comprehend instructions, correspondence, and memos.
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
Ability to maintain confidentiality
Proficient technology skills
Proficient user of Microsoft Office products
Excellent communication skills, both written and verbal
Persuasive communication skills
Effective problem solving and decision-making skills
Ability to manage multiple priorities
Resourceful and well-organized
At a minimum should have three years of banking, mortgage lending or similar experience.

Nice To Haves

At least five years of residential mortgage lending experience.
Demonstrated an ability to produce strong sales results.
A familiarity with the Middle Tennessee residential mortgage lending market.

Responsibilities

Sourcing residential mortgage loan opportunities and coordinating the loan closing process between the client and the bank.
Regularly call upon realtors, builders, accountants and other sources of leads for potential mortgage loan prospects.
Follow up on referrals from other Studio bankers and from centers of influence in a timely manner.
Provide and explain prospective clients with clear, cohesive and timely terms, conditions and closing procedures for the bank's mortgage loan product offerings.
Make product recommendations to applicants based on their individual situations and the various products available from potential loan purchasers.
Gather the necessary application, tax returns and other due diligence items required by the bank to make an informed credit approval decision.
Provide the appropriate disclosures to the applicant in a timely fashion as required by bank policy and regulatory requirements.
Coordinate the loan closing process with the client, operations staff, title company and other third-party participants and communicate regular process updates with the client.
Other duties as assigned.