Remote Community Mortgage Advisor

UMB Bank; Richmond (VA); Remote; USD 50,000 - 80,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching

Annual incentive pay

Health insurance

Health savings

Tuition reimbursement

Job summary

UMB Bank's Community Mortgage Banker role focuses on serving the credit needs of low to moderate income families within the UMB footprint. The incumbent reports to the Director of Community Development and works with the National Mortgage Sales Manager to promote financial education and home ownership while serving as the CRA mortgage product expert in the region.

You will represent UMB at community events, build referral networks, pre-qualify buyers, explain rates and terms, and travel as

Qualifications

• High school diploma or equivalence.
• 3-5 plus years mortgage and banking experience.
• Or if you have any combination of education and experience which provides an equivalent background.
• Effective with business communication skills, both verbal & written.
• Established time management and organizational skills.
• Knowledge of FHA, VA, CONV guidelines and real estate market in local area.
• Maintained current registration with the National Mortgage Licensing System Registry.
• Ability to obtain the required S.A.F.E registration at time of employment.
• Ability to travel and work outside of the office regularly.

Responsibilities

• Represent UMB at community events and business development functions.
• Promote financial awareness and identify community needs to align with product and services.
• Establish and maintain referral relationships with community based organizations, internal partners, real estate agents and customers.
• Recommend product or services based on feedback from the community to enhance current credit offerings.
• Counsel and pre-qualify potential home buyers on credit and affordability.
• Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount and mortgage insurance to applicants.
• Focus efforts to expand home ownership for first time buyers.
• Provide financial education trainings to serve the needs of the community.
• Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs.
• Structure and originate first mortgage loans and gather supporting documentation to meet federal, state and company regulations and policy and procedures.
• Promote bank wide products and programs that focus on the communities UMB serves.

Skills

Mortgage experience

Banking experience

Communication skills

Time management

Independent work

S.A.F.E registration

Travel willingness

Education

High school diploma

Bachelor's degree

Tools

Encompass LOS

Job description

UMB Bank's Community Mortgage Banker role focuses on serving the credit needs of low to moderate income families within the UMB footprint. The incumbent reports to the Director of Community Development and works with the National Mortgage Sales Manager to promote financial education and home ownership while serving as the CRA mortgage product expert in the region.

You will represent UMB at community events, build referral networks, pre-qualify buyers, explain rates and terms, and travel as