Senior Mortgage Banker - Retail

The main purpose of this job is to originate home loans. The primary focus will be to drive new sales within our available lending territory. Growth will likely include managing current client base; as well as a plan of action to increase market share by building relationships with referral partners.

Responsibilities

Originate home loans; Drive new sales within assigned lending territory; Manage current client base; Build relationships with referral partners; Coach and mentor Mortgage Banker team members on best practices; Serve as subject matter expert on Bank mortgage products; Manage production pipeline and documentation collection while coordinating with fulfillment team; Communicate between borrowers and referral partners; Analyze applicants’ financial status, creditworthiness, and property evaluation to determine eligibility and feasibility of granting home loans; Provide financing options and customize solutions; Pre-underwrite file to obtain and analyze documentation; Adhere to CBI Code of ethics, Do not Call Regulations, Privacy and Opt-Out procedures, HMDA data collection, and all Fair Lending policies and procedures; Manage and deliver best in class client care to an active loan pipeline of up to 20 loans in a pre-funded status; Manage and deliver best in class client care to an active lead pipeline of up to 150 clients; Timely communicate updates and requests to clients in accordance with current Service Level Agreements; Maintain open communication with all appropriate parties to ensure timely closing; Document lead management system and loan origination system with client communications and next steps; Provide customer/conversion feedback to leadership, marketing, secondary marketing, and technology teams

Requirements

Strong knowledge of mortgage products; Strong credit risk analysis and loan origination skills; Ability to focus on customer’s needs, both internal and external, to develop and sustain productive customer relationships ensuring the opportunity to increase products per household; Develop and maintain collaborative relationships to facilitate and achieve corporate results; Ability to achieve an exceptional level of technical and professional skills/knowledge in job-related areas, keeping abreast of current developments and trends in area of expertise; Ability to take prompt and proactive actions to accomplish objectives; Ability to maintain a valid driver’s license and meet Commerce Bank’s driving record criteria; Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities; Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills; Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values; Associates degree in business management/finance or equivalent combination of education and experience required; 5+ years lending experience required

Nice to have

Bachelor’s degree; Developed Realtor network; Strong level of proficiency with Encompass, Blend, Microsoft Office Suite, Optimal Blue and Total Expert

Benefits

Health insurance; Dental insurance; Vision insurance; 401(k); Life insurance; Paid vacation; Paid personal time; Career development; Education assistance; Voluntary supplemental benefits