Community Lending Mortgage Banker

City National Bank; Austin (TX); Sur place; USD 65 000 - 120 000; Plein temps

Avantages offerts par ce poste

Healthcare

401k

Tuition Reimbursement

Fertility benefits

Health programs

Career Mobility

Employee Groups

Résumé du poste

City National Bank in Austin is seeking a Community Loan Officer to originate residential mortgage loans and related bank products for diverse clients. You will cultivate new business through outside sales, meet with clients at various locations, assess needs and present mortgage solutions, while ensuring TRID compliance and smooth processing.

Requirements include 5+ years in retail mortgage sales, experience with underserved communities, and active Safe Act/NMLS registration.

Qualifications

• Minimum of 5 years of retail residential mortgage sales experience.
• Minimum of 3 years of mortgage/financial experience as part of a community lending team.
• Minimum of 5 years of experience with diverse and underserved clients.
• Must be in good standing under the Safe Act with NMLS registration or be eligible for registration.

Responsabilités

• Originate residential mortgage loans and expand referral networks.
• Prospect with clients and sources at their locations away from the office.
• Provide ethical loan counseling and liaison during processing and underwriting.
• Develop sourcing strategies to meet sales goals.

Connaissances

Mortgage sales

Community lending

Underserved clients

NMLS licensing

Sales ability

Formation

BA/BS in business/finance/economics

Outils

Net Oxygen

Salesforce

Blend

Microsoft Office

Description du poste

This position is responsible for sales of first mortgage and concurrent second loan products to existing and potential banking diverse segment clients. Community Loan Officer duties include outside sales activities to cultivate new business and expand CNB's client relationships through the sale of mortgage loan products and services, uses consultative sales skills in support of sales and business development activities, meets directly with clients in to assess client needs and present multiple mortgage product solutions, and ethically market and promote the bank's mortgage products as require in growing his/her assigned territory. Regularly and customarily travels to prospective client and referral source locations (away from CNB offices) to perform sales, business development, and related activities; following up by telephone or electronic mail as needed. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act.

WHAT WILL YOU DO?

• Outside Sales: Originate residential mortgage loans and related bank products and expand network of referral sources. Originations, in large part, are to be sourced through professional relationships (example: realtors, attorneys, CPAs, business managers, nonprofits, trade organizations, financial advisors) that fit within the banks overarching financial and diverse strategy
• Calls on clients or their designated representative’s and referral sources at their places of business or other locations away from the office to prospect for and originate mortgage loans
• Provide sound and ethical loan counseling to all potential applicants.
• Act as liaison between Bank and customer during processing and underwriting, as procedures dictate, to ensure timely processing and best in industry customer service
• Complete the loan application and related processes with applicants while keeping with Bank policies, procedures and product guidelines and with applicable laws, regulations and accepted business practices.
• Forward substantially complete application packages to Processing and Underwriting within a system that adheres to TRID requirements
• Develop and/or implement sourcing strategies as required by written goals.
• Meeting or exceeding quantitative and qualitative goals as designed by sales management. Pursuing and fulfilling compensation goals within the spirit in which they were designed and with respect to the CNB brand
• Stay abreast of sales and business development techniques, product offerings, legal and regulatory requirements and industry and real estate trends.
• Acquire and maintain proficiency in the use of the specific software systems utilized by the bank directly and indirectly related to mortgage originations
• Attend regularly scheduled sales meetings, training sessions and Bank functions.
• Perform other duties as requested or assigned by management, such as special projects within the Residential Lending Division
• Foster and maintain active relationships with civic organizations within assigned territories for community service and business development purposes.
• Commitment to work of nonprofit organizations and making a positive impact in the community
• Increase mortgage loan volume, primarily focusing on underserved communities and low to moderate income consumers and geographies or targeted areas

WHAT DO YOU NEED TO SUCCEED?

Required Qualifications

• Minimum of 5 years of retail residential mortgage sales experience
• Minimum of 3 years of mortgage or financial experience as part of a community lending team
• Minimum of 5 years of experience with diverse and underserved clients
• Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act.

Additional Qualifications

• Highly prefer network of professional and nonprofit referral sources
• Highly prefer a BA/BS degree with preference for business, finance, or economics degree
• Demonstrated superior sales and marketing ability
• Consistent written and verbal communication that is professional, thoughtful, clear and effective across all audiences, both inside and outside the bank
• Preferred experience with Net Oxygen, Salesforce, Blend, and Microsoft Office suite
• Knowledge of mortgage credit policies and current industry compliance standards
• Must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.
• Promote the Bank’s CRA efforts, fair and responsible banking goals, and the underserved communities

WHAT'S IN IT FOR YOU?

Compensation

This is a commission-based role and does not have a set salary range.

Benefits and Perks

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:

• Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
• Generous 401(k) company matching contribution
• Career Development through Tuition Reimbursement and other internal upskilling and training resources
• Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
• Career Mobility support from a dedicated recruitment team
• Colleague Resource Groups to support networking and community engagement

Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us .

INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT

City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.