Mortgage Banker

FB Financial; Asheville (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

FirstBank in Asheville seeks an experienced Mortgage Loan Officer to originate residential loans in a competitive market. You will solicit clients, negotiate pricing, underwrite preliminarily, and drive closing activities in compliance with lending policies.

You’ll build a referral network, present to brokers and realtors, and develop marketing plans to attract first-time home buyers while maintaining strong customer service and policy adherence.

Qualifications

• 3+ years of effective and proven sales experience.
• Knowledge of residential mortgage processing, underwriting, and closing procedures.
• Knowledge of mortgage loan regulatory requirements and residential products.

Responsibilities

• Managing Sales Activities – developing a pipeline of new business from outside sales calling efforts and other networking.
• Achieving production goals as set by the SVP of Mortgage Lending.
• Stay current on market and competitive trends and share information with customers.
• Complete required management reports monitoring pipeline progression.
• Develop and Manage Referrals; solicit residential mortgages.
• Make sales presentations through brokers, realtors, builders, and developers.
• Develop marketing strategies such as First Time Home Buyers seminars and outreach to past customers.
• Network through professional/community organizations to market products.
• Handle referrals timely from each financial center and provide progress reports.
• Counseling and pre-qualifying potential home buyers; obtain all necessary documents; act as borrower’s advocate during underwriting and closing.

Skills

Sales experience

Education

High school diploma or equivalent

Bachelor’s degree in business-related major (preferred)

Job description

Summary:

Responsible for originating residential mortgage loans in a highly competitive environment by soliciting, negotiating pricing, initial underwriting, and projecting closing of complex residential loans in compliance with FirstBank lending policies and procedures.

Essential Duties and Responsibilitiesinclude the following. Other duties may be assigned.

• Managing Sales Activities – Developing a pipeline of new business from outside sales calling efforts and other networking exercises
• Achieving specific production goals as set by the SVP of Mortgage Lending
• Stay current on market and competitive trends and share information with customers
• Complete required management reports which monitor the progression of new business in the pipeline

• Develop and Manage Referrals
• Solicit residential mortgages
• • Make sales presentations through contact with brokers, realtors, builders, and developers
  • Distribute approved promotional flyers/materials
  • Develop marketing strategies example “First Time Home Buyers” seminars, letters to past customers, attend realtor open houses
• Network through professional, business and community organizations to market products
• Work with assigned financial centers to ensure awareness of mortgage loan products and policies
• Handle referrals timely from each financial center and provide timely updates and progress reports

• Asset Quality
  • Counseling and pre-qualifyingpotential home buyers
  • Obtaining all necessary support documents
  • Complete all paperwork in a timely manner to
  • Serve as the borrower’s advocate and main contact during the underwriting, committing, and closing process

• Customer Service – Responsible for fostering the FirstBank Experience in the following ways: Phones answered by the third ring, proper greeting on every telephone call, all customers greeted when entering the financial center, employees should stand and properly greet (handshake, eye contact, introduction) each customer before entering a meeting, use the customer’s name at least once, thank the customer, always get back to the customer before sundown.
• Adhere to Policy and Procedures - Responsible for all compliance with bank policies, procedures, and operational integrity.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience:

• High school diploma or equivalent mandatory
• Bachelor’s degree in a business-related major is preferred
• Prior sales experience in the mortgage industry is a plus
• 3+ years of effective and proven sales experience

Other Skills and Abilities:

• Knowledge of residential mortgage processing, underwriting, and closing procedures
• Knowledge of mortgage loan regulatory requirements, residential products and functions also required
• Ability to work independently with good project management skills and ability to adjust to ever changing environment.
• Must be active and visible in the community to promote FirstBank and enhance business development efforts