Community Mortgage Banker

UMB Financial Corporation; Missouri; Hybrid; USD 52,000 - 88,000; Full time

Benefits offered by this job

Paid time off

401(k) matching

Annual incentive pay

Medical, dental, vision insurance

Tuition reimbursement

Wellbeing program

Job summary

UMB Financial Corporation in Missouri seeks a Community Mortgage Banker to help low- to moderate-income families with credit needs within the bank’s footprint. You will report to the Director of Community Development and work with the National Mortgage Sales Manager to promote financial awareness and home ownership.

You will pre-qualify buyers, explain rates and mortgage terms, originate first mortgages, and build referral relationships with housing agencies and real estate partners while

Qualifications

• You have a high school diploma or equivalence.
• You have 3-5 plus years mortgage and banking experience.
• You are effective with business communication skills, both verbal & written.
• You have knowledge of FHA, VA, CONV guidelines and local real estate market.
• You maintain current NMLS registration and can obtain S.A.F.E registration.

Responsibilities

• Represent UMB at community events and business development functions.
• Promote financial awareness and identify community needs to align with product and services.
• Establish referral relationships with community organizations, real estate agents, and customers.
• Counsel and pre-qualify potential home buyers on credit and affordability.
• Structure and originate first mortgage loans meeting regulatory policies.
• Promote bank-wide products and programs to the communities UMB serves.

Skills

Mortgage lending

Credit analysis

First-time homebuyers

Customer service

FHA/VA/Conv guidelines

NMLS registration

Networking

Sales & referrals

Team leadership

Education

High school diploma or equivalent

Bachelor's degree

Tools

Encompass LOS

Job description

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.

Benefits:

• 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.

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