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Mortgage Banker

Career Details

Full Time Ham Lake, MN Posted on 7/9/2018

Position Description

The Mortgage Banker assist consumers who are purchasing or refinancing a home, or obtaining a second mortgage or home equity line of credit. Assists the borrower in determining the proper loan program, completing the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements, to begin the loan process.

Primary Responsibilities

  • Actively participate in the solicitation of lending business and cross-selling of products
  • Generate sales leads via warm-calling to current and past customers
  • Proactively identify, develop and maintain a quality network of business relationships with Realtors, Attorneys and other professional contacts that serve as a source of referrals for new mortgage lending opportunities
  • Interview prospective loan customers and accept applications for mortgage products
  • Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements
  • Strong working knowledge of all consumer regulations, including: Regulations B, G, and Z, Uniform Commercial Code, FHLBB, FSLIC, RESPA, HPA, HMDA, TILA, Privacy laws, and Fair lending laws.
  • Review loan files and loan documents for completeness and accuracy ensuring compliance with Falcon National Banks policies and state and federal regulatory requirements
  • Maintain and manage loan file and document status information through the use of both system generated and manually prepared reports, adhering to established follow-up procedures  
  • Communicate by phone, written or electronic communication with internal and external customers (e.g. internal lending staff, title companies, third party vendors, business partners, loan customers, etc.) as needed to accurately complete loan files within prescribed timeframes

Required Skills

  • Good communication/listening skills
  • Detail oriented                                 
  • Exceptional interpersonal and customer service skills                                                                             
  • Proficient with Microsoft products and bank software                                                                  
  • Accurate                                                                               
  • Self-motivated
  • Responsible
  • Ability to train others
  • Mathematical skills
  • Ability to work independently
  • Team player

Required Education and Experience

  • Bachelor degree preferred
  • 3-5 years of Lending experience
  • Established relationships with local referral networks 
  • Working understanding of Mortgage principles and mortgage loan origination processes
  • SAFE MLO test completed and passed