Community-Focused Mortgage Lender & Brand Builder

SmartBank; Murfreesboro (TN); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401(k) match

Paid PTO

SmartFlex Days

11 holidays

Community involvement

Company apparel

Tuition reimbursement

Job summary

SmartBank is seeking a Residential Lender to build mortgage business across our Tennessee markets. You’ll work in communities to raise brand awareness, solicit first mortgage loans, explain underwriting guidelines, and guide applicants from application to closing.

The role requires NMLS registration, a bachelor’s degree in business or finance, and 2–4 years in originating secondary market mortgages, preferably in a bank setting. Travel within territory is expected.

Qualifications

• Bachelor's degree in business, finance or related field preferred.
• Two to four years of experience in originating secondary market mortgages, preferably in a bank environment.
• NMLS registration required; periodic training in mortgage products, services, regulations and compliance.

Responsibilities

• Actively participates in mortgage department meetings and geographic market meetings.
• Works in the community to create brand awareness through outside sales.
• Attend events throughout the markets they support to increase brand awareness.
• Solicits first mortgage loans.
• Informs prospective loan clients of underwriting guidelines and applicable secondary market guidelines.
• Accepts online applications and interviews loan applicants by phone or in-person.
• Completes each loan application and all pre-processing functions in a timely manner to permit disclosures within three business days.
• Works with loan processor in gathering requested documents and signatures for loan files.
• Orders credit reports and analyzes the credit history of applicants to determine repayment capabilities.
• Completes underwriting documentation for each loan file.
• Submits loan to AUS for initial approval.
• Maintains file management, documentation and loan administration practices.
• Attends loan closings at various locations in the community served.
• Markets SmartBank’s mortgage products to realtors, builders, CPAs, financial planners, title companies, etc.
• Completes weekly sales call reports and pipeline reports promptly.
• Handles mortgage loan inquiries (cold calls) from advertising sources and referrals; visits potential clients.
• Cross-sells all other bank products when warranted and appropriate.
• Complies with applicable laws and regulations including BSA.
• Performs other duties as assigned.

Skills

Underwriting knowledge

Communication skills

Detail oriented

Multi-tasking

Travel willingness

MS Office

Education

Bachelor's degree in business/finance

Tools

Microsoft Windows

Job description

SmartBank is seeking a Residential Lender to build mortgage business across our Tennessee markets. You’ll work in communities to raise brand awareness, solicit first mortgage loans, explain underwriting guidelines, and guide applicants from application to closing.

The role requires NMLS registration, a bachelor’s degree in business or finance, and 2–4 years in originating secondary market mortgages, preferably in a bank setting. Travel within territory is expected.