Mortgage Banker

First Citizens Bank; Columbia (SC); On-site; USD 60,000 - 90,000; Full time

Job summary

First Citizens Bank seeks a Mortgage Loan Originator to sell and service residential mortgage loans, building a strong pipeline through proactive outreach, presenting to clients, and leveraging referral networks. You will prequalify applicants by evaluating finances and recommending suitable products while ensuring complete, accurate loan packages meet investor and bank standards.

The role requires engaging with processing partners to move loans through processing, providing timely updates, and

Qualifications

• Bachelor's degree with 2 years' mortgage loan originator experience OR High School Diploma or GED plus 6 years' experience in Mortgage Loan Originator.
• Must complete federal registration and annual renewal as required by the SAFE Act. Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided.

Responsibilities

• Sales - Achieves mortgage loan production goals via calls, presentations, networking and other sales activities.
• Loan Processing - Interviews applicants, evaluates finances and recommends suitable products; collects documents and submits a complete loan package.
• Loan Support - Manages loan progression, follows regulatory guidelines, provides updates and responds to client inquiries.
• Relationship Development - Builds rapport with clients and referral sources to identify business opportunities.

Skills

Public speaking

Education

Bachelor's degree

High School Diploma or GED

Job description

Overview

This position sells and services mortgage loans for the Bank. Builds a high quality pipeline of residential mortgage loan applications through a variety of sales techniques, responsive client service, and strong relationships with referral sources. Prequalifies loan applicants by evaluating their financial position and recommending appropriate products. Streamlines mortgage loan processing by submitting loan packages that are accurate, complete, and meet all investor and company requirements. Works closely with processing partners to manage the progression of loans through the loan process, providing updates and answering inquiries from clients to uphold service and quality standards.

Overview

This position sells and services mortgage loans for the Bank. Builds a high quality pipeline of residential mortgage loan applications through a variety of sales techniques, responsive client service, and strong relationships with referral sources. Prequalifies loan applicants by evaluating their financial position and recommending appropriate products. Streamlines mortgage loan processing by submitting loan packages that are accurate, complete, and meet all investor and company requirements. Works closely with processing partners to manage the progression of loans through the loan process, providing updates and answering inquiries from clients to uphold service and quality standards.

Responsibilities & Qualifications

• Sales - Accomplishes mortgage loan production goals by initiating sales calls, conducting presentations, participating in networking activities, and other sales techniques. Utilizes referral sources to create sales opportunities, solidifying relationships with bank partners and enhancing the referral process for all involved parties.


• Loan Processing - Interviews applicants to assess their needs, evaluate their financial position, and identify appropriate product offerings. Utilizes information to facilitate a complete and thorough loan application, prequalifying applicants, obtaining all required documents, and submitting a detailed loan application.


• Loan Support - Manages the progression of loans throughout the loan process. Ensures adherence to regulatory and corporate guidelines, and that quality and service standards are upheld. Provides updates and responds to client inquiries. Works closely with processing support on follow up on all necessary conditions or stipulations per investor and company requirements.


• Relationship Development - Establishes a rapport with clients to identify business needs and leverage sales opportunities. Builds and maintains a strong network with both internal and external referral sources.

Position Specific Skills

Effective in public settings

Qualifications

• Minimum Required Education and Experience: Bachelor's Degree and 2 years' experience OR High School Diploma or GED/Equivalent and 6 years' experience in Mortgage Loan Originator


• Required Licenses or Certifications: Must complete federal registration and annual renewal as required by the SAFE Act. Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided.

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.