Mortgage Banker (Market Specialist) First Citizens Bank

Barclay Specialist Care Ltd; Charlotte (NC); On-site; USD 60,000 - 80,000; Full time

Job description

Job Highlights

Title	Mortgage Banker (Market Specialist)
Type	Full Time
Experience	Required
Function	Diverse Lending
Location	Charlotte, NC, United States
Company	First Citizens Bank

Company Profile

First Citizens Bank helps personal, business, commercial, and wealth clients to build financial strength. It offers an array of general banking services.

Job Profile

The bank is looking for a Mortgage Banker (Market Specialist) who will aid 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.

Education Level

• High School Diploma or GED and 6 years of experience in Mortgage origination or Mortgage telephone sales
• Bachelor’s Degree and 2 years of experience in Mortgage origination or Mortgage telephone sales

Work Experience

• Possess work-related experience

Duties/Responsibilities

• 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.
• 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. Respond to questions from branch associates and clients concerning the status of loans in process. Handles internal referrals on a limited basis.
• Mortgage Origination – Interview 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 rates and terms of loans with applicants to be competitive and profitable to the Bank.
• Sales – Represent 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.

License/Certification

• Must complete federal registration and annual renewal as required by the SAFE Act (required)
• Must possess a valid driver’s license
• Requires frequent driving to other offices, bank customers, etc. Bank car not provided (required)

Skills/Knowledge/Abilities

• Bilingual (Spanish)
• Demonstrate strong relationship management skills
• Proven track record in financial product sales

Benefits/Perks

• Community Well-being
• Emotional/Social Well-being
• Financial Well-being
• Physical Well-being

Employer’s Statement

First Citizens Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race (including traits historically associated with race, such as hair texture and protective hairstyles), color, religion, national origin, sex, age, disability, protected veteran status, sexual orientation, gender identity, genetic information, military membership, application, or obligation, or any other legally protected status.