Outside Mortgage Sales Loan Originator

SB Financial Group Inc.•Angola, IN

4d•Hybrid

About The Position

Responsible for actively participating in the bank's sales and business development program; performing various duties to develop new mortgage business, including customarily and regularly engaging in sales activities away from the Bank’s offices and any home office. This role involves reporting pertinent information to the immediate supervisor and providing required information on sales and service activities, while maintaining a current knowledge of applicable laws and regulations.

Requirements

A B.S. or B.A. degree in a business-related field or equivalent knowledge.
A minimum of two (2) years of experience in related positions.
Proficient reading, writing, grammar, and mathematics skills.
Thorough knowledge of current mortgage lending regulations, i.e., Reg. B, RESPA, HMDA, Reg. Z, etc.
Excellent interpersonal relations, communication and sales skills.
Proficient PC skills.
A working knowledge of bank operating policies and procedures which impact mortgage loan services.
A thorough knowledge of the features and benefits of all bank mortgage loan products and services.
A thorough knowledge of the mortgage lending documents.
A thorough knowledge of real estate law and credit underwriting guidelines.
Visual and auditory skills.
Valid driver's license.
Ability to work flexible schedule.

Responsibilities

Jointly establishes quantitative sales objectives with assigned supervisor on an annual basis, in conjunction with the Mortgage Division's annual marketing/sales plan, and achieves these objectives.
Solicits new business from both present and prospective customers via in-person, off-site contact whenever possible.
Maintains ongoing contacts with present customers to enhance cross-selling activities.
Maintains detailed records of meetings with prospective or present customers.
Serves as a member of the bank's sales team and works with other members of the sales/service team in striving to increase sales opportunities.
Develops relationships with customers, realtors, and community and civic organizations to generate new business.
Locates and contacts prospective customers to present the bank's financial services and to ascertain banking needs.
Develops financial plans based on the type of loan services required by customers.
Spends time engaged in sales activities each week away from the Bank’s offices and away from any home office.
Reports pertinent information to the immediate supervisor as requested or according to an established schedule (e.g., weekly sales activities to the Residential Mortgage Manager).
Compiles information as necessary or as directed.
Provides sales information on a timely basis for inclusion in monthly and year-to-date sales performance reports.
Maintains a current knowledge of laws and regulations that impact mortgage banking services.
Coordinates departmental tasks with coworkers inside and outside the department to ensure an efficient process and the completion of essential tasks needing proper segregation of duties.
Responds to inquiries relating to his/her particular area, or to requests from customers, other bank personnel, etc., within given time frames and established policy.
Abides by current laws and organizational policies and procedures designed and implemented to promote an environment free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.
Cooperates with, participates in, and supports adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank’s compliance with all regulatory requirements (e.g., Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.).
May attend sales and trade meetings as the bank's representative to recommend new business and to gain information and leads on prospective accounts.
Performs tasks that are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.