Mortgage Banker Market Specialist

First Citizens; California (MO); On-site; USD 42,000 - 57,000; Full time

Benefits offered by this job

Benefits package

Job summary

First Citizens is seeking a Mortgage Origination professional to interview applicants, determine mortgage needs, and guide customers toward suitable loan products. You will manage loan submissions and coordinate with processing teams to close loans, while expanding sales through outreach and cross-selling opportunities.

The role requires knowledge of government and conventional loan products and strong client relationship skills, with travel to various offices as needed.

Qualifications

• Proven track record in financial product sales.
• Strong relationship management skills.

Responsibilities

• Interviews applicants to obtain financial information, employment, income, credit, assets and liabilities to qualify for mortgage loans.
• Submits loan applications with complete borrower information for processing.
• Coordinates processing and closing with processors, underwriters, appraisers and closing agents.
• Responds to questions from branches and clients regarding loan status.
• Represents the Bank in diverse lending and outreach opportunities to generate leads.

Skills

Financial product sales

Relationship management

Education

Bachelor's degree + 2 years mortgage origination experience

Job description

Overview

This position aids fair lending and community goals by providing mortgages for culturally diverse organizations. Originates government, conventional, nonconforming, construction, and permanent mortgage products to strategically drive diverse loan production. Leverages mortgage business opportunities through a variety of sales techniques, including outbound calling for sourced leads. Aids diverse lending and business development efforts to drive revenue aligned with the Bank’s goals and objectives.

Responsibilities & Qualifications

Mortgage Origination - Interviews applicants to obtain necessary information on financial needs and goals, employment, income, credit, assets and liabilities. Utilizes information to qualify the applicant for an appropriate mortgage loan product. Counsels clients on alternative mortgage products to match their capacities and goals. Negotiates rate and terms of loans with applicant in an effort to be competitive and profitable to the Bank.

Loan Support - Submits loan applications with complete borrower information, documentation, and other aspects necessary for processing. Coordinates timely processing and closing of loans with processors, underwriters, appraisers, and closing agents. Responds to questions from branch associates and clients concerning status on loans in process. Handles internal referrals on a limited basis.

Sales - Represents the Bank in diverse lending and outreach opportunities to generate sales leads. Participates in calling efforts and other sales strategies to leverage potential leads. Identifies opportunities to cross-sell Bank products and services when appropriate with existing clients.

Loan Expertise - Maintains current knowledge of all mortgage loan products including eligibility standards, documentation, and underwriting requirements. Understands the sales and usage of government and conventional loan products, mortgage insurance, and down payment assistance programs.

Position Specific Skills

• Proven track record in financial product sales.
• Demonstrate strong relationship management skills.

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 origination or Mortgage telephone sales

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.

The base pay for this position is $24/hr. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.