Community Mortgage Banker

UMB Bank; Lincoln (NE); Remote; USD 45,000 - 66,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching

Annual incentive pay

Paid holidays

Medical coverage

Dental coverage

Vision coverage

Health Savings Account

Flexible spending accounts

Dependent care accounts

Adoption assistance

Employee assistance program

Tuition reimbursement

Fitness reimbursement

Wellbeing program

Emergency fund

Banking benefits

Job summary

UMB Bank is seeking a Community Mortgage Banker to serve the credit needs of low to moderate income families within the UMB footprint in a remote, full-time capacity. The role reports to the Director of Community Development and collaborates with the National Mortgage Sales Manager to promote financial education and homeownership.

You will represent UMB at community events, build referral networks, pre-qualify buyers, and originate first mortgage loans while ensuring compliance with FHA, VA, and

Qualifications

• High school diploma or equivalent.
• 3–5+ years mortgage and banking experience.
• Strong verbal and written communication.
• Extensive FHA/VA/CONV guideline knowledge.
• Active NMLS and S.A.F.E. registrations.
• Willingness to travel regularly.
• Knowledge of local real estate markets.

Responsibilities

• Represent UMB at community events and business development functions.
• Promote financial awareness and identify community needs.
• Establish referral relationships with community orgs, agents, and customers.
• Pre-qualify buyers and explain rate, terms, and mortgage insurance.
• Structure and originate first mortgage loans meeting regs and policy.
• Provide product recommendations based on community feedback.

Skills

Mortgage banking

FHA/VA knowledge

S.A.F.E registration

NMLS registration

Travel willingness

Communication skills

Referral networks

Education

High school diploma

Bachelor’s degree (bonus)

Tools

Encompass LOS

Job description

Remote

MO-REMOTE

Full time

R-7615

The Community Mortgage Banker is responsible for helping and serving the credit needs of low to moderate income families and individuals within the UMB footprint. The incumbent will report to the Director of Community Development and will also work closely with the National Mortgage Sales Manager. This role will promote financial awareness, home ownership and provide financial education to our communities. The successful candidate will also serve as the CRA mortgage product expert within the region.

How you will spend your time:

• Represent UMB at community events and business development functions
• Promote financial awareness and identify community needs to align with product and services
• Establish and maintain referral relationships with community based organizations, internal partners, real estate agents and customers
• Recommend product or services based on feedback from the community to enhance current credit offerings
• Counsel and pre-qualify potential home buyers on credit and affordability
• Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount and mortgage insurance to applicants. Provide necessary information and inform applicants of status with clear communication.
• Focus efforts to expand home ownership for first time buyers
• Provide financial education trainings to serve the needs of the community
• Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs
• Structure and originate first mortgage loans and gather supporting documentation to meet federal, state and company regulations and policy and procedures.
• Promote bank wide products and programs that focus on the communities UMB serves

We're excited to talk with you if:

• You have a high school diploma or equivalence
• You have 3-5 plus years mortgage and banking experience
• Or if you have any combination of education and experience which provides an equivalent background
• You are effective with business communication skills, both verbal & written
• You have established time management and organizational skills
• You are able to work independently, with strong initiative and reliability
• You have a thorough knowledge of FHA, VA, CONV, guidelines and real estate market in local area
• You have maintained current registration with the National Mortgage Licensing System Registry.
• You are able to obtain the required S.A.F.E registration at time of employment
• You have the ability to travel and work outside of the office regularly

Bonus points if:

• You have a bachelor's degree
• You have a well established referral base and source network
• You have experience with Encompass LOS
• You have networking skills
• You have achievement orientation skills
• You have customer orientation skills
• You have emotional presence skills
• You have the ability to impact & influence
• You have the ability to internal partnering
• You have organizational awareness
• You have strategic orientation skills
• You are a team player

Compensation Ranges:

US Employees in California, Washington DC, New Jersey, and New York:

$54,220 - $79,020

US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin:

$49,510 - $72,340

US Employees in all other states not listed above:

$44,790 - $65,650

The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?

You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to [e-mail] to let us know the nature of your request.

If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.

Who we are

We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.

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