CRA Mortgage Loan Officer

Description

About CFBank

We are a fast-growing, high-achieving organization that thrives on winning. We are proud to be ranked nationally in the top 10 Banks within our asset size peer group based on financial performance. If you are seeking a place where you can have enhanced visibility and add more value, and thrive operating in a dynamic and evolving environment, you belong at CFBank. We are agile, we work with integrity, and we hustle. For over 130 years we’ve been serving our communities and over the past decade grown to be a top performer. We are a commercial bank that offers a boutique banking experience for personal banking clients. Our unique business model offers direct access to decision-makers, great technology, great products, and competitive pricing that position our teams to go into the market and win business.

About the role:

As a CRA Mortgage Loan Officer, your main goal is to establish and maintain relationships with community-based organizations, agencies, and realtors in the market while ensuring CRA compliance is met. Additionally, this position is responsible for acquiring new mortgage loan customers and performing specific duties relating to the origination of residential mortgage loans and must facilitate the loan process with the customer from initial application until closing.

What you’ll do:

• Focuses on selling CRA products, targeting low to moderate-income individuals and areas in the local community.

• Develop and maintain CRA prospects & referrals in the local market.

• Attend networking events in the community which result in lending opportunities.

• Comply with Bank policy and government regulations related to mortgage lending.

• Maintain knowledge of available CFBank loan products, processing procedures, and underwriting guidelines.

• Market and sell CFBank Mortgage Products through inside and outside sales to networks and develop referral contacts from realtors, past customers, financial planners, accountants, attorneys, and other professionals.

• Work with potential and existing clients to uncover and sell products that best meet customer needs, gaining commitments for mortgage loans.

• Conduct pre-approval loan process by gathering financial information from customer and reviews customer credit to match customer need with best product available.

• Work closely with mortgage operational staff throughout the entire lending process, utilizing verbal and written communication and any related software throughout the lifecycle of the loan as necessary.

• Comply with internal security policies and procedures and maintain customer confidentiality at all times.

• Adhere to all regulations, policies, and record-keeping requirements. Complete all required training related to bank regulations and policies.

Experience and Knowledge:

• Must have recent experience marketing AND originating CRA mortgage loans.

• Must maintain an active registration status with NMLS.

What We Offer:  

• Excellent Benefits Package: Top benefits include dependent coverage, generous PTO, Federal Holidays, and Paid Parental Leave for those who qualify for eligibility.

• Professional development opportunities including educational/training opportunities

• “Accelerated” 401k Plan and Employee Match of 50% of the first 8% deferred, available your first full month of employment with a 3-year vesting

• Employee Banking Promos and Direct Deposit of payroll to CFBank Account (over 90% of our employee’s bank with us!)

• Employee Assistance Program with a wide range of free resources such as estate planning and mental wellness resources

• One of the most collaborative environments you’ll find, with a team of hard-working mutually invested professionals who are excited about shared success

Qualifications