Community Mortgage Lender & CRA Outreach Leader

Washington Trust Bank; Bellevue (WA); On-site; USD 90,000 - 135,000; Full time

Job summary

Washington Trust Bank is seeking a Community Lending Officer to build and maintain relationships with community organizations and real estate professionals to drive CRA-compliant mortgage lending. You will sell and originate residential loans to meet CRA-area needs and manage the loan file from application to close.

The role requires knowledge of mortgage products, fair lending regulations, and MLO registration (NMLS). A valid WA driver’s license is required; Mandarin is a plus.

Qualifications

• Fluent in English; Mandarin/Cantonese preferred.
• Knowledge of real estate and mortgage banking industry.
• Knowledge of Truth-in-Lending and government regulations.
• Knowledge of conventional, FHA, VA, and construction loan policies and procedures.
• Must have or obtain Mortgage Loan Originator (NMLS) registration.
• Automobile required, with valid Washington State driver’s license.

Responsibilities

• Coordinate WTB's community outreach and development events.
• Represent WTB in civic, professional, and community groups aiding CRA objectives.
• Promote fair lending responsibilities within lending practices and standards.
• Assist lenders in identifying and originating CRA-eligible loans in CRA areas.
• Establish and maintain relationships with real estate agents to generate referrals within CRA areas.
• Submit completed loan applications within 48 hours of receipt.
• Pre-qualify self-employed borrowers, including cash flow worksheets and financial records review.
• Maintain loan files from application to closing.
• Foster CRA and fair lending knowledge across the team.
• Attend festivals, fairs, and trade shows to promote new business for the Bank.
• Monitor community trends and ROI of events; advise on future investments and donations.
• Liaise with local governments and organizations to ensure strong presence.

Skills

English/Mandarin fluency

Real estate & mortgage industry

Truth-in-Lending & regulations

Conventional, FHA, VA, construction

Mortgage Loan Originator (NMLS)

WA driver’s license

Job description

Washington Trust Bank is seeking a Community Lending Officer to build and maintain relationships with community organizations and real estate professionals to drive CRA-compliant mortgage lending. You will sell and originate residential loans to meet CRA-area needs and manage the loan file from application to close.

The role requires knowledge of mortgage products, fair lending regulations, and MLO registration (NMLS). A valid WA driver’s license is required; Mandarin is a plus.