Retail Community Mortgage Specialist

Truist Bank•Philadelphia, VA

3h•Onsite

About The Position

The Retail Community Mortgage Specialist serves as the Truist Mortgage liaison, connecting the community, local government, and local mortgage program agencies. The primary goal is to generate low to moderate income mortgage loans through community partnerships and affordable housing initiatives. This role involves being a product specialist for Truist's Affordable Housing suite and Down Payment Assistance programs, executing action plans to make Truist a market leader in Affordable Housing Lending, and establishing partnerships with government agencies and housing associations. The specialist will also provide leadership and training for homeownership classes and credit counseling, champion the Truist referral process within the LMI/CRA Strategy, and ensure compliance with all relevant policies, procedures, and regulations.

Requirements

2+ years in residential mortgage lending sales or equivalent mortgage experience with government or private non-profit housing agency
Working knowledge of the Mortgage Lending Process
Excellent verbal, written, and communication skills
Possesses solid interpersonal skills
Demonstrated proficiency in relevant computer applications
Must be SAFE Mortgage Licensing Act compliant within 30 days of employment in this role, including new or transfer of registration, and applicable NMLS acceptable background check

Nice To Haves

Bachelor's degree in Business, Marketing, or related studies
Solid knowledge of market area
Three or more years of experience in mortgage lending sales or equivalent
Previous sales awards and leadership positions.

Responsibilities

Directly responsible for growth and production of mortgage loans for Low-To-Moderate (LMI) income borrowers by serving as the product specialist for the Truist Affordable Housing suite of products and Down Payment Assistance programs.
Execute on an action plan and appropriate Community Reinvestment Act (CRA) plan making Truist a market leader in Affordable Housing Lending through establishing partnerships with relevant government agencies and active participation in affordable housing associations and groups to increase productivity in the LMI/CRA lending space while promoting Truist's positive image in the community.
Assist and work with community, faith-based and non-profit organizations providing leadership and training for homeownership classes, credit counseling and promote understanding of the mortgage lending process.
Champion Truist referral process within the LMI/CRA Strategy within the Region through collaboration with relevant partners on initiatives and sponsorships that enhance efforts to serve LMI Mortgage clients; active participate on committees and boards when appropriate.
Maintain a complete and thorough knowledge of the Mortgage Strategies, Policies and Procedures, as well as secondary market investor's guidelines utilized by Truist.
Adhere to and comply fully with any and all Truist policies and procedures related to internal and external compliance rules and regulations, particularly those established by State and Federal law.
Assist Mortgage Loan Fulfillment with client, attorney, or appraiser document follow-up as determined through quality control or post-closing review.

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Accidental death and dismemberment insurance
Tax-preferred savings accounts
401k plan
No less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment
10 sick days (also prorated)
Paid holidays
Defined benefit pension plan (depending on the position and division)
Restricted stock units (depending on the position and division)
Deferred compensation plan (depending on the position and division)