Senior Mortgage Banker

Renasant Bank•Atlanta, GA

About The Position

The Senior Mortgage Banker establishes and maintains relationships with Renasant Bank branch managers, Realtors, and builders in an assigned service area to generate production of one-to-four-family residential mortgage products, including conforming, conventional, FHA, and VA loans, as well as other products as they become available. The banker facilitates the mortgage loan process and maintains productive relationships with mortgage operations staff. The role involves outside sales and independent work, supported by reliable transportation. The position requires compliance with applicable state and federal regulations and internal policies and procedures. The employee must communicate effectively with internal partners and external clients, handle confidential information appropriately, and follow procedures intended to safeguard the Bank’s employees, customers, and assets. The listed duties are essential functions, though the description notes that duties may change or be supplemented as needs arise.

Requirements

High school diploma or equivalent.
At least 5 years of mortgage origination or mortgage banker experience.
Ability to originate one-to-four-family residential mortgage products.
Thorough knowledge of FHLMC/FNMA, FHA, VA, and other general mortgage banking lending procedures and requirements.
Ability to communicate verbally and in writing and deal cordially with the public.
Ability to organize time effectively.
Ability to learn and understand regulatory directives and procedures in a short period of time.
Ability to represent Renasant Bank professionally and project a customer-focused banking image.
Ability to work independently and make decisions in accordance with state and federal regulatory guidelines.
Reliable means of transportation to carry out job responsibilities.
Ability to meet the physical demands described, including occasionally lifting or moving up to 25 pounds.

Responsibilities

Originate all types of one-to-four-family residential loans.
Maintain written goals developed in conjunction with the Mortgage Banking Department.
Coordinate loan production throughout the assigned service area.
Maintain prescribed system status reports for loans in process.
Report monthly on calls made to banks, Realtors, and builders.
Communicate with the Mortgage Banking Department to clarify program changes or updates for branch personnel in the assigned service area.
Counsel prospective borrowers to determine applicable loan products.
Schedule application appointments at a location convenient to the customer and help complete accurate applications and obtain supporting documentation.
Gather additional information requested by the Mortgage Banking Department for mortgage closings in a timely manner and maintain loan status reports.
Assist customers with closing contingencies.
Prepare Good Faith Estimates and Truth-In-Lending disclosures within 72 hours of application for all applications taken.
Provide Realtors, when applicable, with weekly written updates on loan progress.
Educate and update branch personnel in the immediate service area on conforming loan requirements and responding to customer inquiries.
Build relationships with the local real estate community and regularly update Realtors, builders, and attorneys who have existing relationships with Renasant Bank about available programs.
Solicit mortgage loan originations, identify product needs, and coordinate those needs with a supervisor.
Survey local market areas regularly.
Establish priority accounts, such as Realtors, builders, and title companies, and visit their offices at least once a week.
Conduct seminars for local Realtors and new associates on lending topics, including conventional, FHA/VA, ARM, and CRA lending.
Participate in local affiliations related to mortgage loan production, such as the Board of Realtors and Home Builders Association.
Perform duties in compliance with applicable state and federal regulations and internal policies and procedures.
Attend production meetings as designated by management.
Maintain licenses and certifications, if applicable.
Work independently in an outside sales setting and maintain reliable transportation.
Perform other related duties as assigned.