SENIOR PERSONAL BANKER - (Mortgage Division - St. Thomas)

First BanCorp

13d

About The Position

The Senior Personal Banker is a sales agent responsible for acquiring, managing, and retaining client relationships. This role uses financial knowledge to explain and sell banking and mortgage products, provide support to customers, prospects, and REALTORS, match clients to appropriate solutions, and develop sales initiatives to meet business objectives.

Requirements

Bachelor’s degree in Finance, Economics, or a related field, or a high school degree combined with applicable experience that provides the necessary skills to perform the job.
Three to five years of experience in the mortgage business or residential mortgage lending with a focus on generating business is required.
An equivalent combination of education and experience may be accepted.
Employee in this role must comply with all requirements related to the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (SAFE Act) and its corresponding regulations. This includes but is not limited to obtaining and maintaining an active record and a unique identifier within the Nationwide Mortgage Licensing System and Registry (NMLSR), continuing to meet active record guidelines and associated minimum register standards. This includes any applicable continuing education courses set forth by the SAFE Act.

Responsibilities

Develop and execute a strategic work plan for marketing with FirstBank branch network, managing relationships with realtors and prospecting new clients.
Build new relations with REALTORS, attend branches referrals, participate in seminars, product orientations and marketing promotions. Identify sales opportunities in assigned market segment. Contact existing or new Realtor as the lender who will be assisting the customer and provide your direct dial information.
Initiate and maintain contact with client throughout the processing period to ensure our service has continued to meet their needs, conveying the appropriate level of urgency and professionalism so that all expectations are exceeded. Follow up clients within the term established to ensure quality service.
Organize and participate in activities with potential companies, conventions, and visit clients with branch manager, special events and/or activities.
Maintain leads updated in the Velocify System. Promptly answer all phone calls and lead opportunities.
Interview customers and evaluate financial eligibility. Analyze all prospects' customer information (income, expenses, credit) to perform preliminary determination eligibility of loan type. Identify cross selling opportunities for other FirstBank products and services.
Provide electronic content, encourage use of e-consent to facilitate a timely closing of the loan, fully explain the loan estimate (LE), and obtain intent to proceed, and initial documentation.
Support customer on selection of most convenient financing decision as per established needs.
Gathers all loan pre-qualification documents needed and requests payment for the origination process
Compile and organize all clients’ information needed, according to type of loan requested, and execute the processing of documents to accelerate the approval process. If necessary, visit customer to complete the required information.
Collect initial service provider fees, prepare receipts, and forward payments to the accounting unit.
Support management as requested, assist other First Mortgage units as required, and complete special projects or assignments.
Handle loan closings when assigned.
Travel within business market locations, including the British Virgin Islands, as required.
Perform other duties as assigned.