5,370 Lender jobs in the United States
Mortgage Lender
Posted 7 days ago
Job Viewed
Job Description
Responsive recruiter
Benefits:
- Life Insurance
- Disability Insurance
- ESOP
- 401(k)
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Reports To : Market President
Status : Salary; Non-Exempt
Position Summary: This position is responsible for obtaining loan applications through internal and external referrals and from prospective borrowers by developing leads from real estate brokers and agents, home builders, title companies, etc. This position is responsible for structuring and closing real estate loans as well as developing new business. The position is responsible for originating conventional and government residential mortgage loans to customers who qualify based on assessment of financial and credit data. This position will provide exceptional service, timely assistance and promote the cross-selling of Bank products and services whenever possible. Represents the Bank in local community with the highest degree of professionalism and integrity through active involvement in community affairs and participates in marketing all the Bank's products and services.
Principal Responsibilities and Duties :
- Source mortgage leads and build mortgage business network by establishing relationships with realtors, builders, and developers.
- Originate conventional and government residential mortgages and participate in related business development activities.
- Act as the primary point of contact between the borrower and the Bank on mortgage originations.
- Interview applicants to gather information concerning their needs to assist in determining whether a loan will be acceptable risk.
- Structure loan financing based on risk considerations.
- Communicate with other professionals, including attorneys, county clerks and title companies, as necessary to facility the processing/closing of loans.
- Negotiate terms and conditions with applicants. Ensure the preparation and processing of forms and legal documents required for residential loans follows those terms.
- Responsible for initiating rate locks, collecting up-front fees, obtaining credit bureau, performing desk- top underwriting, etc.
- Responsible for explaining loan options and products to applicants, including disclosing terms, conditions, and explaining disclosures, etc.
- Ensure appropriate underwriting standards are followed.
- Ensure that approval falls within the established lending guidelines.
- Review loan closing documents for accuracy to facility timely loan closing.
- Manage and understand collateral perfection processes such as UCC and mortgage filings.
- Maximize bank profitability through appropriate pricing of new loan originations and fee income.
- Meet with prospects and customers in locations others than their primary office or personal residence, such as open houses, realtor and home builder events, seminars, etc.
- Communicate suspected fraud and or discrepancies to the department manager and/or fraud department as applicable.
- Recognize and maintain adherence to compliance with all banking regulations and laws, including those for consumer protection and the BSA/AML Program.
- Support the bank's strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge. Stay up to date on local trends and developments in the real estate market, as well as changing rules and regulations pertaining to both conventional and government-insured mortgages.
- Originate loans that meet minimum production levels.
- Provide support to other team members as assigned by Department Head.
- Understand and comply with Federal, State and Union State Bank rules, policies, and regulations.
- Perform other duties as may be required or assigned.
Supervisor Responsibilities: N/A
Education and Experience Requirements : Bachelor's degree from a four-year college or university, or three to five years of related work experience; or equivalent combination of education and experience required. Financial services industry experience preferred. This position requires compliance with the SAFE Act Registration with the Nationwide Mortgage Licensing System & Registry (NMLS Registry) required upon hire. Good standing with the NMLS Registry must be maintained. Valid driver's license is required to travel to meet with prospects and customers.
Specific Skills Required : Ability to communicate, written and verbal, effectively with people both internally and externally. High degree of accuracy and attention to detail with the ability to handle multiple tasks and meet deadlines. Ability to identify and resolve problems. Organizational and time management skills. Ability to work with all levels within the organization. Basic computer skills to include proficiency in Microsoft Office products. Able to handle confidential information and positively represent the company.
Competencies : Communication, approachability, high attention to detail, problem solving and critical thinking.
System Accesses : Fiserv Precision, LaserPro, Encompass, Microsoft Office Suite, etc.
Equipment Used : Office equipment which includes computer, imaging scanner, multi-line phone system, multi-function unit, etc.
Working Conditions : Work is performed in an office environment. Prolonged (90%) sitting and periodic (less than 10% of the time) physical exertion to manually move, lift, carry or push heavy objects or materials weighing up to 50 pounds; Constant and repetitive use of arms and hands below shoulder level for computer usage; This position required the individual to perform normal office activities including, but not limited to, lifting, filing, and retrieving, operating office equipment, etc. Travel to other locations will be required.
This job description describes the general nature and level of work performed by the employee assigned to this position. Responsibilities and duties describe those functions considered essential to the performance of the job. This description does not state or imply that these are the only duties and responsibilities assigned to the job. The employee may be required to perform other job-related duties as requested by their supervisor. All requirements are subject to change over time, at the discretion of your supervisor, and to possible modification to reasonably accommodate individuals with a disability.
Union State Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender, identity, age, disability, or status as a protected veteran
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Union State Bank's motto "Built for Better Banking" is not just a tag line, but how we feel about our staff. In order for us to be a strong partner in our community, the partnership between the bank and our employees is extremely important. Our employees are the key to our success. Performance is both expected and rewarded - as is accountability, results, teamwork, integrity, and respect for others
Union State Bank offers an excellent working environment and benefit package along with a competitive salary to coincide with proven skills for both full-time and part-time employees. Full-time employees are offered the following benefits:
•ESOP (Employee Stock Ownership Plan)
•Paid Holiday, Personal, Sick and Vacation days
•Health/Dental Insurance
•Company paid Life Insurance
•Company paid Long Term Disability Insurance
•Flexible Spending Plan
•401(K) Plan
•Profit Sharing Plan
Applicants have rights under State and Federal Employment Laws
Mortgage Lender I
Posted 3 days ago
Job Viewed
Job Description
Responsibilities #LI-Hybrid
- Originate HELOCs (Home Equity Line of Credit), portfolio loans, and fixed rate loans which are sold in the secondary market, including purchases and refinances.
- Initiate and execute revenue-generating activities such as business development, customer and referral relationship development, community outreach, scheduling/attending closings (if applicable), and financial education, with documentation in CRM software.
- Manage pipeline and customer expectations through communication throughout the loan process.
- Structure loans according to customer goals and credit acceptance practices, utilizing the 5 C's of credit for pre-qualifications and active loan requests.
- Collect, analyze, and communicate with borrowers the initial required information needed to process/underwrite a loan, including income/assets, credit, and collateral-related documentation, to determine qualification through the Automated Underwriting System (AUS).
- Prepare a write-up of borrower requests and any unique loan characteristics to assist future loan partners, with assistance from regional leaders or mentors, and obtain appropriate loan approval.
- Cross-sell additional bank products and services, and provide constructive financial counseling and planning for future loan requests.
- Perform tasks on loan files to comply with Freddie Mac guidelines, Mortgage Insurance guidelines, or specific product requirements, including ordering PMI, interest rates, rate locks, and handling adverse actions for denied/withdrawn applications.
- Review and explain loan disclosures, including the Loan Estimate and Closing Disclosure.
- Maintain awareness of and adhere to the bank's compliance requirements, risk management policies, and procedures, applying them to daily tasks.
- Deliver consistent, high-level service within our Serving More standards.
- Other duties as assigned.
Competencies
- Interpersonal/Customer Service Skills
- Written and Verbal Communication
- Ability to understand and follow directions
- Adaptability to change
- Basic Computer Skills
- Ability to influence others
- Ability to build collaborative relationships
- Ability to work as part of a team
- Organizational Skills/Detail Oriented
- Analytical Thinking
- Technical Expertise
Additional Information
This position is non-exempt and full-time. Responsibilities extend beyond traditional office hours; evening and weekend hours may be required. Associates will respond to stakeholders as needed to progress loans to closing. Frequent overtime may be required during peak periods.
Education, Certifications, and Work ExperienceHigh School diploma or equivalent required.
2+ years in retail banking/lending or mortgage underwriting preferred.
NMLS licensing or ability to obtain it within 30 days.
ScheduleThis is a full-time hourly position requiring a minimum of 37.5 hours per week. Responsibilities may include some scheduled onsite hours in Cincinnati, Ohio, and travel to meet clients, Realtors, and community leaders, or visit markets and regional offices.
The position requires the ability to remain stationary up to 50% of the time, operate a computer up to 50% of the time, and communicate effectively with coworkers and stakeholders.
A flexible work arrangement is available.
Equal Opportunity Employer. Applicants will be notified of their rights under federal employment laws. For more information, review the Know Your Rights notice from the Department of Labor.
#J-18808-LjbffrMortgage Lender- Colorado
Posted 3 days ago
Job Viewed
Job Description
At Vectra, we're committed to making our company a great place to work and grow your career. We seek dedicated employees whose diversity, talent, drive and innovative ideas add value to our customers, our colleagues and to our communities. At Vectra, we actively listen to our employees and our customers, initiate contact, provide solutions, and proactively focus on building relationships - not increasing transactions. We do this by offering technology and resources typically only found within larger banks and combining those resources with an exceptional level of service more commonly associated with community banks and smaller financial institutions. We personify this difference through our tagline: Big Enough to Count / Small Enough to Care.
With benefits starting on day one, over 11 bank holidays, and a company committed to career growth and advancement, Vectra is dedicated to being an employer of choice in our industry and community. At Vectra Bank, the possibilities are endless - come for a job, stay for a career.
We are looking for a seasoned Mortgage Lender in Colorado. Our main focus in this role is soliciting and bringing in mortgage business for the bank through previous contacts, relationships, and referrals from real estate agents, builders, developers and branches.
**Essential Functions:**
+ Responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals form real estate agents, builders, developers and branches.
+ Ensure compliance with regulatory guidelines in the performance of loan originator duties.
+ Interviews potential applicants to develop information concerning their needs, desires and other information.
+ Obtains and review pertinent financial and credit data.
+ Responsible for assisting customers with information about loan types and interest rate options, locking interest rates as requested by the customer, preparing and sending initial disclosures to customers and submitting information to automated underwriting software.
+ Ensures any re-disclosures are made timely.
+ May order appraisals through our systems, arrange for title search and obtain necessary documents.
+ Responsible to communicate with the customer throughout the process and work with processors through closing.
+ Originates residential home loans.
+ Keeps informed of trends and developments in the local real estate market and changing rules and regulations pertaining to mortgages.
+ Develops and maintains internal relationships to drive cross-sell opportunities for other bank products.
+ Other duties as assigned.
**Qualifications:**
+ Requires a college degree and 4+ years of mortgage lending origination experience required, including residential construction experience or other directly related experience. A combination of education and experience may meet requirements.
+ Advanced knowledge of mortgage lending, processing, credit analysis, mortgage laws and regulations
+ Ability to successfully solicit loans.
+ Good problem solving skills.
+ Ability to work independently.
+ Strong interpersonal skills
+ Demonstrated ability to handle multiple priorities.
+ Strong verbal and written communication skills
+ Ability to work effectively in high pressure environment.
+ Ability to work with various types of computer software, including mortgage specific software.
**This position is eligible for hourly state minimum wage plus commission. Commission is calculated based on financed loans that meet customer qualifications and lender requirements.**
**Benefits:**
+ Medical, Dental and Vision Insurance - START DAY ONE!
+ Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
+ Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
+ Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
+ 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
+ Mental health benefits including coaching and therapy sessions.
+ Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire.
+ Employee Ambassador preferred banking products.
**Req ID:**
To review our Benefits Summary browse here: Opportunity Employer
It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at , Mon.-Fri. between 9 a.m. - 5 p.m. MST.
Click here to view applicable Federal, State and/or local employment law posters.
Mortgage Lender-Arizona
Posted 3 days ago
Job Viewed
Job Description
**At NBAZ, the possibilities are endless - come for the job, stay for a career.**
We are looking for a **Residential Mortgage Lender** to provide top notch customer service to our clients and customers. If you are passionate about being part of a community, being a team player, and helping others reach their financial goals, then we are interested in speaking with you!
**Essential Functions:**
+ Responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals form real estate agents, builders, developers and branches.
+ Ensure compliance with regulatory guidelines in the performance of loan originator duties.
+ Interviews potential applicants to develop information concerning their needs, desires and other information.
+ Obtains and review pertinent financial and credit data.
+ Responsible for assisting customers with information about loan types and interest rate options, locking interest rates as requested by the customer, preparing and sending initial disclosures to customers and submitting information to automated underwriting software.
+ Ensures any re-disclosures are made timely.
+ May order appraisals through our systems, arrange for title search and obtain necessary documents.
+ Responsible to communicate with the customer throughout the process and work with processors through closing.
+ Originates residential home loans.
+ Keeps informed of trends and developments in the local real estate market and changing rules and regulations pertaining to mortgages.
+ Develops and maintains internal relationships to drive cross-sell opportunities for other bank products.
+ Other duties as assigned.
**Qualifications:**
+ Requires a college degree and 4+ years of mortgage lending origination experience required, including residential construction experience or other directly related experience. A combination of education and experience may meet requirements.
+ Advanced knowledge of mortgage lending, processing, credit analysis, mortgage laws and regulations
+ Ability to successfully solicit loans.
+ Good problem solving skills.
+ Ability to work independently.
+ Strong interpersonal skills
+ Demonstrated ability to handle multiple priorities.
+ Strong verbal and written communication skills
+ Ability to work effectively in high pressure environment.
+ Ability to work with various types of computer software, including mortgage specific software.
This position is eligible for hourly state minimum wage plus commission. Commission is calculated based on financed loans that meet customer qualifications and lender requirements.
**Benefits:**
+ Medical, Dental and Vision Insurance - START DAY ONE!
+ Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
+ Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
+ Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
+ 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
+ Mental health benefits including coaching and therapy sessions.
+ Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire.
+ Employee Ambassador preferred banking products.
**Req ID:**
Equal Opportunity Employer
It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at , Mon.-Fri. between 9 a.m. - 5 p.m. MST.
Click here to view applicable Federal, State and/or local employment law posters.
Mortgage Lender-Texas
Posted 13 days ago
Job Viewed
Job Description
**At Amegy, the possibilities are endless - come for the job, stay for a career.**
We are looking for a **Residential Mortgage Lender** to provide top notch customer service to our clients and customers in several areas in Texas. If you are passionate about being part of a community, being a team player, and helping others reach their financial goals, then we are interested in speaking with you!
**_Essential Functions:_**
+ Responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals form real estate agents, builders, developers and branches.
+ Ensures compliance with regulatory guidelines in the performance of loan originator duties.
+ Interviews potential applicants to develop information concerning their needs, desires and other information.
+ Obtains and review pertinent financial and credit data
+ Responsible for assisting customers with information about loan types and interest rate options, locking interest rates as requested by the customer, preparing and sending initial disclosures to customers and submitting information to automated underwriting software.
+ Ensures any re-disclosures are made timely
+ May order appraisals through system, arrange for title search and obtain necessary documents.
+ Responsible to communicate with the customer throughout the process and work with processors through closing.
+ Originates residential home loan
**_Qualifications:_**
+ Requires a college degree and 4+ years of mortgage lending origination experience required, including residential construction experience or other directly related experience
+ A combination of education and experience may meet requirements
+ Advanced knowledge of mortgage lending, processing, credit analysis, mortgage laws and regulations.
+ Ability to successfully solicit loans
+ Good problem solving skills
+ Ability to work independently
+ Strong interpersonal skills
+ Demonstrated ability to handle multiple priorities
+ Strong verbal and written communication skills
+ Ability to work effectively in high pressure environment
+ Ability to work with various types of computer software, including mortgage specific software.
This position is eligible for hourly state minimum wage plus commission. Commission is calculated based on financed loans that meet customer qualifications and lender requirements.
**_Benefits:_**
+ Medical, Dental and Vision Insurance - **START DAY ONE!**
+ Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
+ Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
+ Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
+ 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
+ Mental health benefits including coaching and therapy sessions
+ Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
+ Employee Ambassador preferred banking products
**Req ID:**
Equal Opportunity Employer
It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at , Mon.-Fri. between 9 a.m. - 5 p.m. MST.
Click here to view applicable Federal, State and/or local employment law posters.
Community Lender
Posted 4 days ago
Job Viewed
Job Description
Job Type
Full-time
Description
Position Summary:
The Community Lender is responsible for originating and managing both consumer mortgage and commercial loans for individuals and businesses within the community. This role supports the bank's mission to serve local financial needs by delivering personalized lending solutions and fostering long-term relationships.
Duties and Responsibilities:
- Consumer Lending:
- Originate and process residential mortgage loans, home equity lines, and personal loans.
- Guide borrowers through application, underwriting, and closing processes.
- Ensure compliance with consumer lending regulations including Regulation Z, X, B, and the SAFE Act.
- Maintain knowledge of current mortgage products, rates, and underwriting guidelines.
- Provide financial education and support to community members, especially first-time homebuyers.
- Commercial Lending:
- Acquire and manage commercial banking relationships for businesses up to $30 million in revenue.
- Conduct credit analysis, site visits, and portfolio reviews.
- Structure and document commercial credit transactions to ensure profitability and manage risk.
- Monitor credit quality and take appropriate action on portfolio performance.
- Collaborate with underwriters and portfolio managers to facilitate loan decisions.
- Business Development & Community Engagement:
- Build and maintain relationships with centers of influence including accountants, attorneys, and community leaders.
- Attend networking, charity, and civic events to enhance visibility and generate leads.
- Represent the bank in community functions to promote financial services and outreach.
- Cross-Functional Collaboration:
- Collaborate with internal teams to promptly resolve client service issues while identifying opportunities to cross-sell bank products. Proactively seek and refer clients for appropriate deposit solutions to enhance overall relationship value.
- Mentor junior staff such as credit analysts or relationship officers.
- Coordinate with service providers and vendors, setting expectations and measuring performance.
- Keeps up to date and complies with all bank policies/procedures as well as applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations.
- Other Duties as assigned.
Requirements
Qualifications and Skills:
- 7-10 years in consumer and commercial lending is required.
- Bachelor's degree in business administration or related field preferred.
- Proficiency in MS Office; experience with Laser Pro, Cleartouch, OnBase, and CRM systems is preferred.
- Communication
- Service Orientation
- Decisiveness
- Leads Courageously
- Prioritization
- Organizational Skills
Physical Environment
- While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.
- The employee must occasionally lift and/or move up to 25 pounds.
- The noise level in the work environment is usually quiet to moderate.
- This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p.
We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Community Lender
Posted 4 days ago
Job Viewed
Job Description
Apply
Job Type
Full-time
Description
Position Summary:The Community Lender is responsible for originating and managing both consumer mortgage and commercial loans for individuals and businesses within the community. This role supports the bank's mission to serve local financial needs by delivering personalized lending solutions and fostering long-term relationships. Duties and Responsibilities:Consumer Lending:Originate and process residential mortgage loans, home equity lines, and personal loans.Guide borrowers through application, underwriting, and closing processes.Ensure compliance with consumer lending regulations including Regulation Z, X, B, and the SAFE Act.Maintain knowledge of current mortgage products, rates, and underwriting guidelines.Provide financial education and support to community members, especially first-time homebuyers.Commercial Lending:Acquire and manage commercial banking relationships for businesses up to $30 million in revenue.Conduct credit analysis, site visits, and portfolio reviews.Structure and document commercial credit transactions to ensure profitability and manage risk.Monitor credit quality and take appropriate action on portfolio performance.Collaborate with underwriters and portfolio managers to facilitate loan decisions.Business Development & Community Engagement:Build and maintain relationships with centers of influence including accountants, attorneys, and community leaders.Attend networking, charity, and civic events to enhance visibility and generate leads.Represent the bank in community functions to promote financial services and outreach.Cross-Functional Collaboration:Collaborate with internal teams to promptly resolve client service issues while identifying opportunities to cross-sell bank products. Proactively seek and refer clients for appropriate deposit solutions to enhance overall relationship value.Mentor junior staff such as credit analysts or relationship officers.Coordinate with service providers and vendors, setting expectations and measuring performance.Keeps up to date and complies with all bank policies/procedures as well as applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations.Other Duties as assigned.The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of Blue Grass Federal and FMHC.
Requirements
Qualifications and Skills:7-10 years in consumer and commercial lending is required. Bachelor's degree in business administration or related field preferred.Proficiency in MS Office; experience with Laser Pro, Cleartouch, OnBase, and CRM systems is preferred.Necessary competencies:CommunicationService OrientationDecisivenessLeads CourageouslyPrioritizationOrganizational SkillsPhysical EnvironmentWhile performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.The employee must occasionally lift and/or move up to 25 pounds.The noise level in the work environment is usually quiet to moderate.This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p.We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
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Commercial Lender
Posted 7 days ago
Job Viewed
Job Description
Current job opportunities are posted here as they become available.
The Commercial Lender is responsible for building long-term client relationships by understanding their needs and providing customized financial solutions. The Lender develops and executes marketing plans to generate new company accounts. The Lender also identifies functions, events to build and establish market awareness for Trustar Bank. The Lender works within a local decision-making team environment. The Commercial Lender will follow all established policies and procedures of the Bank.
Business Development: Expand existing client relationships and attract new business to achieve annual bank goals
Marketing Program : Develop and implement a marketing plan designed to identify, qualify and pursue attractive prospects. Identify and utilize opportunities for cross-selling of Bank products.
New Business : Maximize net profit contribution to Bank by producing net new customers, loans and deposits while maintaining existing portfolio and any portfolios transferred from time to time. Meet and exceed assigned goals for new business development and retention.
Referral: Refer business prospects to various bank services.
Portfolio Administration: Active management of portfolio, to include proactive relationship maintenance
and monitoring through regular dialog and correspondence. Managing compliance with reporting
requirements (financial statements, etc.). Timely credit renewals. Renewals to be accompanied by an
analysis providing concise identification of risks and an assessment of risk mitigation. Regular update of
credit file information to facilitate continuity of customer service.
Credit Quality: Timely identification and handling of defaults; timely identification and management of
Credit deterioration; development of exit strategies as appropriate; timely revision of risk ratings. Reporting
And resolution of past due payments and collateral deficiencies.
Service Quality : Understanding and anticipating customer needs, including timely response to request
Perform other duties as assigned.
Requirements:
Bachelor's Degree
5-7 years in-market commercial banking experience
Demonstrated strong credit and negotiating skills
Exceptional organizational and time management skills
Proficient computer skills in Microsoft Office: Word, Excel
Exceptional oral and written communication skills
Ability to work with no supervision while performing duties
Working Conditions: Professional working environment. We are an Equal Opportunity Employer
#J-18808-LjbffrExperienced Lender
Posted 8 days ago
Job Viewed
Job Description
Southwest Missouri Bank is looking for an experienced Commercial Lender to join our team! Our Lenders are responsible for developing new business, structuring, underwriting, pricing and documentation of loans, as well as maintaining and servicing an existing portfolio. This position will prepare and service commercial and consumer loans. Our Lenders are responsible for cross selling other applicable bank products and services as well as handle customer service inquires. Must be able to work Saturday rotation and available 8:30 am - 5:30 pm, Monday through Friday.
Duties
- Supports and promotes the trust that SMB is truly customer driven, assisting to assure consistent and efficient customer service excellence.
- Facilitate credit requests, including loan structuring, negotiating/pricing, collateral, ensure adequate loan documentation, and analyze industry/credit risk.
- Critically review and analyze portfolio to reduce risk and enhance profitability.
- Works directly with loan collection area in efforts to collect on past due loans.
- Sells and cross sells bank products and services to personal and business customers, either directly or through referrals.
- Calls on potential or existing customers to develop new relationship business customers and increase or retain existing relationships.
- Participate in outreach activities with assigned customers and target prospects with the objective to acquire new business.
- Complies with laws and regulations governing the lending function.
- Analyze potential loan markets and develop referral networks to locate prospects for loans.
- Performs additional duties as assigned by supervisor relating to the bank and its functions.
Required Skills
- Thorough knowledge of consumer and commercial products, credit policies, procedures and terminology.
- Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills.
- Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities.
- Excellent persuasive and negotiation skills with well-developed sales skills.
- Excellent time management skills with a proven ability to meet deadlines.
- Strong analytical and problem-solving skills.
- Proficient with Microsoft Office Suite or related software.
Education and Experience
- Bachelor's Degree in Business, Finance, or related field.
- Three to Five years of lending experience within a bank required.
- Commercial and/or Agricultural lending experience required.
Physical Requirements
- Prolonged periods of sitting at a desk and working on a computer.
- Must be able to lift up to 15 pounds at times.
- Must be able to travel at times.
Southwest Missouri Bank is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, color, national origin, sex, age, disability, status as a protected veteran, or any other characteristic protected by applicable federal, state or local laws.
Mortgage Lender Officer Assistant
Posted 6 days ago
Job Viewed
Job Description
We're searching for a detail-oriented mortgage loan officer assistant. This position will play a vital part in communicating with referral partners, current and past clients, real estate agents, lenders, and underwriters to nurture relationships and develop new business.
You will facilitate the completion of real estate loan applications, collect, analyze, and review supporting loan documentation in accordance with loan guidelines, and provide support throughout the loan application process. If you're interested in joining a team that empowers employees, clients, and partners to help them reach their goals, apply today!
Compensation:$47,500 + bonus
Responsibilities:- Assemble loan documentation as required necessary for verifications and underwriting such as loan files, loan packages, credit reports, and additional mortgage application paperwork
- Handle all customer and in-house inquiries about transactions so the process is smooth and customers receive excellent service
- Act as the primary contact between our clients and our company and schedule and conduct meetings to discuss any follow-up issues or items that need to be addressed
- Check all loan package documents for complete accuracy and submit any discrepancies to the loan officer/ loan originator
- Screen and make calls, book appointments and provide administrative support as needed
- NMLS license or training is not required, but is desired
- Excellent customer service and communication skills and willing to go above and beyond for customers and team
- Possess an understanding of different loan products, such as conventional loans, FHA, VA, adjustable/ fixed, commercial loans, etc.
- Proficiency in MS Office required; CRM, MLS, DU, and proprietary mortgage software preferred
- Preferably 2-3 years of administrative support in a professional office or mortgage environment
- Local candidates only – relocation not provided
- Previous mortgage experience required
Efinity Mortgage has a mission to equip and enable people to live their life's passions. Our core values are:
- Total transparency
- Facilitate the perfect process
- Integrity in everything we do
- Pioneer impactful innovations
- Live life's passions
- Win long-term, together
#WHRE2
Compensation details: Yearly Salary
PI bdd