Customer Service: - Responsible for being available as contact person for customers.
- Must clearly and accurately communicate rates and terms of GenoaBank and secondary market loans.
- Checks rates frequently to ensure accurate rate communication.
Application Process: - Responsible for following Federal Reserve Compliance regulations regarding the application process.
- Locks rates for customers.
- Assists customers in the completion of loan applications and other required paperwork.
- Ensures documents are completed accurately to allow for efficient processing.
- Retrieves the proper documents needed to complete the application and lending process.
Follow-up: - Follows the loan applicants through processing to ensure quality customer service.
- Returns calls from customers the same day received or at the earliest possible time.
- Presents at loan closing whenever feasible.
Customer Recruiting: - Establishes and maintains relationships with local customers as well as area realtors, developers, accountants, etc.
- Responsible for calling on customers and other contacts to secure future potential business.
- Makes ten calls to realtors or builders weekly as well as monthly sales meetings in realtor offices.
- Submits call reports to Senior Lender as requested.
Other functions- Attends weekly Pipeline Meetings to review loan applications in process and verify recently closed loans.
- Works with Senior Lender and/or VP of Mortgage Sales to resolve issues or when alternative loan structuring is needed or requested.
- Works with the mortgage processing department to ensure quality customer service and timely closings for bank customers.
- Maintains compliance with all banking laws, acts, regulations, and bank policies and procedures.
- Any other duties or projects as assigned by Management.
REQUIREMENTS & QUALIFICATIONS
Education: Associates or Bachelor’s degree in Sales, Marketing or business preferred. Experience: Minimum of 1-3 years in banking experience with an established background in sales. Specific Skills: Computer skills; above average communication skills; sales ability. Specialized Knowledge, Licenses, etc.: Bank products, interest and payment calculation, knowledge of Mortgage Compliance Regulations; NMLS. Supervisory Responsibility, if any: Not Applicable, however, may be responsible for assisting supervisor in the training of newly hired originators. Working Conditions (shift times, location, etc.): Mortgage Originators must be available during business hours as well as weekends and evenings. Each originator will have an office based in one of GenoaBank’s branches.
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