Mortgage Lender

Description

Position Purpose:

Responsible for business development and growth of residential loans and bank products.

Job Duties and Responsibilities:

• Make outside sales calls to potential and existing customers to develop new business and retain current business.
• Develop and maintain relationships with local realtors, developers, and builders to encourage use of Firstar Bank services for residential mortgages.
• Generate Mortgage Loans to achieve established loan quality and production goals.
• Interview applicants and requests information needed to perform a sound review of the applicant qualifications.
• Request applicant credit records, background checks, reference checks and other information pertinent to loan applicant’s evaluation as necessary to meet investor requirements.
• Coordinate closing arrangements with the title company, applicant and other parties to assure timely loan closing and funding activities.
• Maintain knowledge of and provide guidance on bank products and services appropriate to customers.
• Stay current with FNMA underwriting guidelines, current regulatory guidelines and new loan programs.
• Obtain and maintain NMLS license.
• Provide quality service to all customers.

• Maintain confidentiality of all customer and employee information.

• Set production goals to meet budget requirements for year.
• Direct and supervise Mortgage Processor(s) to see that lending guidelines and compliance are followed with each loan.
• Make sure all training, education, and license requirements are met by direct reports.
• Perform annual reviews and salary evaluations for direct mortgage staff.
• Manage Pipeline to ensure files are being closed on a timely basis.

• Represent Firstar Bank in various civic and community functions to further enhance its image and develop or promote additional business/consumer relationships.

• Complete annual training as required.
• Participate in bank/community activities.
• Other duties as assigned.

Qualifications

Skills and Abilities Required:

• Thorough understanding of mortgage lending principles and practices as well as knowledge of government/compliance regulations.
• Advanced financial analysis skills, strong negotiation and sales skills.
• In-depth knowledge of credit analysis.
• Well-organized and good time management skills.
• Ability to be proactive and positive when building relationships with customers.
• Comfortable with working in a team environment.
• Excellent written, verbal, and presentation skills.
• Ability to work independently, without close supervision, in a fast-paced environment.
• Interpersonal skills with all levels of the organization to include coaching and management.
• Proficient computer skills – Microsoft Office Suite.

Experience and Education Requirements:

• Mortgage/residential experience is preferred, but not required. 
• Outside sales experience preferred.
• Bachelor’s degree or equivalent years of experience.

Physical Requirements:

• Typically requires sitting for long periods of time with frequent keyboard/mouse usage and intermittent stooping, bending and walking.
• May occasionally lift up to 25 pounds which may include the need for independent mobility:  bend, reach, or kneel.
• Visual and auditory skills are required.

Performance Standards:

• Goals and objectives will be established annually.
• Responsiveness to all who enter the bank.
• Accuracy of work performed.

Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets