Mortgage Banker

City National; Coral Gables, Northern (FL, KY); Hybrid; USD 65,000 - 95,000; Full time

Benefits offered by this job

Health coverage

401(k) with matching

PTO and holidays

Wellness resources

Job summary

City National Bank of Florida is seeking a Mortgage Banker to drive mortgage loan production in the assigned market. The role focuses on self-sourced mortgage business and advisory support for prospective and existing clients, while maximizing referrals from builders, agents, and past clients.

The position emphasizes strong compliance with state and federal laws, and a commitment to exceptional customer experience in all interactions.

Qualifications

• 2-4 years mortgage sales experience required.
• Effective communication concepts and techniques; ability to convey and interpret information.
• Knowledge of sales principles and tools; ability to develop future-oriented sales plans.
• Familiarity with residential mortgage instruments and applying them to situations.

Responsibilities

• Meet and exceed individual or team sales goals.
• Increase conforming loan applications through marketing and referrals.
• Introduce customers to other bank lines of business.
• Develop business outside retail through real estate agents and builders.
• Recommend loan solutions per guidelines and client needs.
• Analyze customer financial information for complex borrowers.
• Prepare loan solutions and ensure compliance; manage customer pipeline.

Skills

Mortgage sales experience

Effective communications

Strategic sales planning

Sales tasks and activities

Selling banking products

Customer experience management

Education

High School Diploma or GED

Bachelor's Degree preferred

Job description

About Us

Think BIG. Achieve More.

At City National Bank of Florida, we invest in our people and the communities we serve. Join a team where ambitious careers and meaningful relationships thrive together. We're entrepreneurs at heart-growing fast, making an impact, and shaping the future of banking in Florida. To learn more about City National Bank of Florida visit About Us!

Overview

The Mortgage Banker is responsible for mortgage loan production throughout the assigned market. The primary source of business is self-sourced mortgage business. Acts as an advisor to potential and existing mortgage customers. Maximize production with referrals from local builders, real estate agents, contractors, affinity partners and past clients. Ensure an exceptional customer experience is maintained with all potential and existing customers. Ensure all aspects of mortgage applications are in compliance with all applicable state and Federal laws, regulations and bank policies and procedures.

What You'll Do

• Consistently meets and exceeds individual and/or team sales goals, including but not limited to deposit, loans and other, as applicable.

• Increase conforming loan applications through marketing and generating referrals from centers of influence, previous customers and client referrals.

• Introduce their self-sourced customers to other lines of business within the bank.

• Develop business outside of retail branch network through real estate agents, homebuilders, relocation services, cold calling, etc.

• Recommends loan solutions in accordance with lending guidelines and clients' requirements.

• Collects and analyzes customer financial information for multifaceted and/or complex borrowers.

• Develops and prepares loan solutions and refers products and services; reviews documentation to ensure compliance. Manages customer pipeline for efficiency.

• Ensures compliance with appropriate bank policies and regulatory guidelines, including Fair Lending.

• Ensures all required compliance training is completed on time by direct reports.

• Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

Qualifications

• 2-4 years mortgage sales experience required.
• Effective Communications: Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.
• Strategic Sales Planning: Knowledge of sales principles, processes, techniques and tools; ability to develop sales plans that are future-oriented, support business strategy and reflect understanding of emerging, as well as existing, opportunities and markets.
• Mortgage Products: Knowledge of and ability to utilize residential mortgage instruments and apply them to specific situations.
• Sales Tasks And Activities: Knowledge of and the ability to sell an organization's products and services.
• Selling: Applies knowledge of banking products and services to meet customer needs and enable them to achieve their financial goals. Identifies prospecting approaches to identify potential customers and create opportunities to sell financial solutions and ideas to customers.
• Customer Experience Management: Implements the strategies and techniques used to ensure that customers have a positive experience with the organization and its products and services at every touch point.

Education

• High School Diploma or GED Equivalent required.
• Bachelor's Degree in Business, Finance or a related field preferred, but not required.
• An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.

Benefits & Perks

We offer a competitive benefits package designed to support your success:

• Health Coverage: Medical, dental, and vision plans with employer contributions.
• Retirement Savings: 401(k) with matching.
• Paid Time Off & Holidays: Generous PTO and paid holidays.
• Wellness Support: Access to mental health and financial wellness resources.

Visit our benefits page to learn mor eBenefits!

Join City National Bank of Florida. The possibilities are endless.

Special information to candidates

Equal Opportunity

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.

Interview Guidelines

To ensure a fair and consistent interview process, applicants are not permitted to use AI-enabled devices during interviews, including AI glasses or similar wearable technology that can record, transmit, or generate real-time information.

Applicants who require a reasonable accommodation to participate in the interview process should contact [e-mail] in advance of the interview to submit an accommodation request. City National Bank of Florida will engage in the interactive process and provide reasonable accommodations in accordance with applicable law.