Mortgage Sales - Mortgage Banker I

NBH Bank; Jackson (WY); On-site; USD 85,000 - 115,000; Full time

Benefits offered by this job

Commission-based incentives

Insurance options

401(k)

Paid time off

Associate banking perks

Job summary

NBH Bank is seeking a Mortgage Banker I in Jackson, Wyoming, to generate mortgage loan production from referrals and banking center leads. You will originate first mortgage products and build referral partnerships, while aligning priorities with client experience, compliance, and operations.

You will monitor market trends, develop your book of business, and service NBH Bank clients with integrity and professionalism. Travel may be required to serve clients and partners.

Qualifications

• Associates degree in Business, Finance or equivalent required.
• 5+ years of residential mortgage banking experience.
• Must be registered and licensed in NMLS as required by SAFÉ Act.

Responsibilities

• Generate mortgage loan production from referrals, realtors, builders, and leads.
• Originate first mortgage loan products and develop referral partner relationships with NBH Banking Center.
• Monitor marketplace competition and trends to inform sales strategy.
• Identify referral sources and expand NBH Bank's client relationships.
• Build and service a book of business with high-quality client relationships.
• Ensure compliance with BSA/OFAC and NBH policies.

Skills

Strong communication

Networking

Detail oriented

Sales skills

Regulatory compliance

Education

Associates degree in Business or Finance or equivalent

NMLS license or willingness to obtain

Tools

Encompass

Desktop Underwriter

MS Office

Job description

It starts with our culture ...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people's lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all our associates to feel welcome and empowered at work.

As a Mortgage Banker I, you will be responsible for the generation of mortgage loan production from referral sources, realtors, builders, consumer networking groups, and banking center provided leads. You will originate first mortgage loan products and develop referral partner relationships with NBH Banking Center Associates. You will be responsible for a variety of tasks including aligning mortgage priorities with the "Client Experience", compliance, audit and operations. You will help the Sales Manager to monitor marketplace competition and trends in order to incorporate them as appropriate into the sales strategy. You will also identify referral sources and collaborate with all internal stakeholders to increase the Bank's presence and competitive status by expanding existing business relationships and servicing clients (increase wallet share). Additionally, you will develop a book of business through prospecting while also servicing Banking Center's clientele. You are expected to build a great rapport with clients and fellow associates and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements

To be considered for this position, you must possess the following qualifications.

• Associates degree in Business, Finance or equivalent combination of education and related work experience.
• 5+ years of experience in residential mortgage banking.
• Established referral network (past clients, realtors, builders, community groups, etc.)
• Advanced knowledge of RESPA/government regulations for residential mortgages.
• Knowledge and experience operating within Dodd-Frank regulations.
• Proven track record of success in originating residential mortgages in a self-sourced referral environment.
• Must be/become registered and licensed in the Nationwide Mortgage Licensing System and Registry (NMLS) as required by the S.A.F.E. Act.
• This position requires ongoing compliance with all mortgage regulatory requirements and related NBH's compliance policies including acceptable background check investigation results.
• Driving may be required with this position. Applicants must have a valid driver's license (may not be learner's, restricted or "to and from work" license) and driving history that meets the Bank's driver standards. This information will be verified in a Motor Vehicle Report.

Desired Qualifications

To be considered an ideal candidate, you should possess some of the following qualifications:

• Bachelor's degree in Business, Finance or equivalent combination of education and related work experience.
• 6+ years of experience in mortgage banking.

Skills and Abilities

Below is a general list of desired skills and abilities; this is not an exhaustive list.

• Proficient in MS Office applications which include Outlook, Word, Excel, and PowerPoint.
• Proficient in Encompass and Desktop Underwriter.
• Ability to interact with others, both in person and through phone, e-mail, and written correspondence.
• Ability to perform focused work with close attention to detail.
• Willingly cooperates and works collaboratively toward solutions that generally benefit all involved parties; works cooperatively with others to accomplish company objectives.
• Apply and improve extensive or in-depth specialized knowledge, skills, and judgment to accomplish a result or to accomplish one's job effectively.
• Apply original thinking in approach to job responsibilities and to improve processes, methods, systems, or services.
• Demonstrate concern for achieving or surpassing results against an internal or external standard of excellence. Show a passion for improving the delivery of services with a commitment to continuous improvement.
• Makes decisions authoritatively and wisely, after adequately contemplating various available courses of action.
• Creates an atmosphere in which timely and high-quality information flows smoothly up and down, inside and outside of the NBH Bank footprint.
• Effectively transfers thoughts and expresses ideas orally or verbally in individual or group situations.

Work Environment

We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:

• We are committed to our core value of meritocracy and supporting our associates in growing within their role.
• When completing certain tasks, an associate may need to be able to grasp, push, pull, lift, bend, raise and hold hands and arms overhead.
• Ability to meet with associates, clients, and leadership on short notice in various geographical regions in order to deliver results.
• Must be available to clients and teams by phone/email at all hours of the day.
• Must be able to work at a rapid pace for long periods of time.
• Must be able to work additional hours beyond traditional business hours to the extent necessary.
• Must be able to travel as necessary.

Incentive and Benefits

This role is eligible to participate in a commission plan, which can significantly increase your overall compensation.

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered.

If this is what you believe in, then you're definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.

The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources. The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.

Colorado Residents: In any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information. Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.