External Loan Officer- Mortgage Banking

• Proactively identify and engage potential borrowers through networking referrals and community involvement
• Establish and maintain relationships with real estate agents, builders, financial planners, and other key referral sources.
• Uses proactive, consultative sales skills and strategies to identify client needs, quantify service / product benefits and present recommendations to targeted clients and prospects as assigned.
• Conduct regular market visits and meetings with referral partners to build a strong referral base and ongoing sustainable business relationships
• Attend industry events, open houses, and community events to generate new business opportunities.
• Consult with potential borrowers to assess their financial situation and mortgage needs. Educate clients on the available mortgage products, interest rates, terms, and cost associated with obtaining a mortgage.
• May identify business opportunities and solicit referrals of other Bank products or services from existing clients, referral sources and other professionals in the industry.
• Assist clients in completing mortgage loan applications and the gathering of necessary documentation for the fulfillment and completion of the loan cycle. Communicate periodic updates to all parties in the transaction with specific regard to the customer experience.
• Ensure that all mortgage loan applications and documentation comply with Federal, State, and CNB regulations. Keep accurate and organized records of all client interactions and loan applications.
• Negotiates transactions; prices loan products within targeted rate of return; coordinates the documentation and closing of loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgment in recommending loans for approval.
• May coordinate the cross-selling of other product and/or services (i.e., cash management, foreign exchange, investment and trust, etc.). May interface with other Bank departments as necessary to define responsibilities and coordinate objectives for all product areas.
• Obtains and completes mortgage loan application packages, including supporting documentation required to process loan requests; reviews information to ensure that files submitted meet regulatory agency and CNB policies; forwards application packages to Residential Lending within specified times in order to meet regulatory requirements for initial disclosures and timely processing as required under Regulation B and RESPA.
• Contacts borrowers directly for additional information related to loan requests, summarizes information and exercises sound credit and risk judgment in recommending transactions for approval.
• Maintains a solid understanding of the Bank’s credit products, programs policies and procedures.
• Participates in the development of marketing strategies and sales objectives that are consistent with overall company objectives. Maintains an awareness of consumer market conditions and provides current information on industry trends and competitive practices that may be used in the development and/or delivery of mortgage loan products.
• Effectively manages a pipeline of loans on a daily basis.
• Represents CNB by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.
• Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g., Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).
• Performs other duties as assigned or requested.

Must-Have*

• H.S. Diploma
• Minimum of 3 years mortgage lending experience
• Minimum of 3 years business development/direct sales experience required.
• SAFE Act Registration

Skills and Knowledge

• Bachelor's degree highly preferred
• Excellent communication skills both written and verbal
• Proficient in Microsoft Office programs
• Excellent customer service skills
• Prioritizes and plans work activities
• Completes work in timely manner; Strives to increase productivity; Works quickly
• Ability to work well under pressure
• Strong research and analytical skills
• Ability to use discretion when handling sensitive personal information.
• Ability to multi-task and manage deadlines