Mortgage Banker

First Citizens Bank; Columbia (SC); On-site; USD 45,000 - 75,000; Full time

Benefits offered by this job

Benefits package

Job summary

First Citizens Bank in Columbia, SC is seeking a Mortgage Loan Originator to sell and service residential mortgage loans and build a high-quality pipeline through referrals and client relationships. You will prequalify applicants, gather documents, and submit complete loan packages while coordinating with processing partners to ensure compliance with investor requirements and company standards.

Strong communication and relationship-building skills are essential.

Qualifications

• Bachelor's Degree and 2 years' experience OR High School Diploma or GED/Equivalent and 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; frequent driving to other offices and client locations.

Responsibilities

• Sales - Achieve mortgage loan production goals by making sales calls, giving presentations, networking, and leveraging referral sources.
• Loan Processing - Interview applicants, assess needs, and gather documents to prequalify and submit complete loan packages.
• Loan Support - Manage loan progression, ensure regulatory and investor guideline compliance, and provide updates to clients.
• Relationship Development - Build rapport with clients and maintain a strong network of internal and external referral sources.

Skills

Public speaking

Relationship building

Business development

Customer experience management

Education

Bachelor's degree + 2 years mortgage exp OR HS diploma/GED + 6 years mortgage origination exp

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.

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 Builds Productive Relationships Business Development Customer Experience Management

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.