SENIOR PERSONAL BANKER - (Mortgage Division - St. Thomas)

First Bank; Charlotte Amalie (United States Virgin Islands); On-site; USD 60,000 - 80,000; Full time

Job summary

A leading financial institution is seeking a Senior Personal Banker to manage client relationships and sell banking products. The role requires proficiency in financial services, strong communication skills, and 3-5 years of experience in mortgage lending. If you have a Bachelor's degree in Finance or a related field, and a passion for customer service, we invite you to apply. The position includes developing marketing strategies, supporting clients throughout the loan process, and ensuring compliance with financial regulations.

Qualifications

• 3-5 years of experience in the mortgage business or residential mortgage lending.
• Experience in generating business and managing client relationships.
• Compliance with SAFE Act regulations.

Responsibilities

• Develop and execute marketing plans with branch network.
• Build relationships with realtors and prospects.
• Maintain contact with clients throughout the loan process.
• Support loan closings and assist management as required.

Skills

Strong written and verbal communication skills

Ability to prioritize tasks

Ability to handle sensitive financial information

Proficiency in Microsoft Office tools

Knowledge of financial regulations

Education

Bachelor’s degree in Finance, Economics, or related field

High school degree with experience

Tools

Banking software

Data security protocols

Job description

Job Summary: The Senior Personal Banker is a sales agent responsible for acquiring, managing, and retaining client relationships. This role uses financial knowledge to explain and sell banking and mortgage products, provide support to customers, prospects, and REALTORS, match clients to appropriate solutions, and develop sales initiatives to meet business objectives.

Essential Responsibilities

• Develop and execute a strategic work plan for marketing with FirstBank branch network, managing relationships with realtors and prospecting new clients.
• Build new relations with REALTORS, attend branches referrals, participate in seminars, product orientations and marketing promotions. Identify sales opportunities in assigned market segment. Contact existing or new Realtor as the lender who will be assisting the customer and provide your direct dial information.
• Initiate and maintain contact with client throughout the processing period to ensure our service has continued to meet their needs, conveying the appropriate level of urgency and professionalism so that all expectations are exceeded. Follow up clients within the term established to ensure quality service.
• Organize and participate in activities with potential companies, conventions, and visit clients with branch manager, special events and/or activities.
• Maintain leads updated in the Velocify System. Promptly answer all phone calls and lead opportunities.
• Interview customers and evaluate financial eligibility. Analyze all prospects' customer information (income, expenses, credit) to perform preliminary determination eligibility of loan type. Identify cross selling opportunities for other FirstBank products and services.
• Provide electronic content, encourage use of e-consent to facilitate a timely closing of the loan, fully explain the loan estimate (LE), and obtain intent to proceed, and initial documentation.
• Support customer on selection of most convenient financing decision as per established needs.
• Gathers all loan pre-qualification documents needed and requests payment for the origination process.
• Compile and organize all clients’ information needed, according to type of loan requested, and execute the processing of documents to accelerate the approval process. If necessary, visit customer to complete the required information.
• Collect initial service provider fees, prepare receipts, and forward payments to the accounting unit.
• Support management as requested, assist other First Mortgage units as required, and complete special projects or assignments.
• Handle loan closings when assigned.
• Travel within business market locations, including the British Virgin Islands, as required.
• Perform other duties as assigned.

Independence of Judgment

This position operates under the direction and guidance of management and exercises a moderate level of discretion within established policies, procedures, and regulatory guidelines.

Supervisory Responsibilities

This position has no direct supervisory responsibilities.

Functional Competencies

• Strong written and verbal communication skills for reports, presentations, and professional interactions.
• Ability to prioritize tasks, manage deadlines, and coordinate resources effectively.
• Ability to handle sensitive financial and customer information responsibly and maintain confidentiality.
• Proficiency in Microsoft Office tools, banking software, data security protocols, and digital platforms required to perform job responsibilities.
• Ability to respond effectively to changing regulations, market conditions, and organizational needs.
• Ability to understand and respond to internal and external client needs in a timely and professional manner.
• Knowledge of applicable laws, regulatory compliance requirements, and other financial regulations.

Competencies

• Anticipate and provide service excellence to both internal and external customers.
• Establish, sustain, and foster both internal and professional contacts to build, enhance and connect to Firstbank services.
• Deliver clear, effective communication and take responsibility for understanding others.
• Understand how the organization works, including current and future policies, practices, and trends.
• Identify problems and conduct appropriate analysis involving others to search for the best solution.
• Take initiative and assume personal accountability for goals, outcomes, and deadlines.
• Understand the organization’s vision and uphold the values in everyday work and actions. Higher levels take long‑term view and share with others the vision and the organization path ahead.
• Provide direction and leadership to help teams achieve goals and operate cooperatively.
• Demonstrate curiosity for learning and perform activities to make the most of their skills and boost potential in self and others.
• Create a view of change as an opportunity and inspire others. Look for new ways to experiment with new ideas and approaches.

Impact of Errors

Errors in fulfilling job responsibilities may affect administrative, operational, and business functions and may have a considerable economic impact. Errors may result in regulatory violations and negatively affect business operations, strategic results, the bank’s image, and relationships with regulatory agencies, clients, and the community.

Physical Demands

The physical demands described are representative of those required to successfully perform the essential functions of this role. Reasonable accommodations may be made. Specific vision abilities include close and distance vision. The employee is regularly required to sit, stand, walk, use hands and fingers, talk, and hear. Travel may be required.

Minimum Requirements

Bachelor’s degree in Finance, Economics, or a related field, or a high school degree combined with applicable experience that provides the necessary skills to perform the job. Three to five years of experience in the mortgage business or residential mortgage lending with a focus on generating business is required. An equivalent combination of education and experience may be accepted.

Regulatory/Licensing Requirements

Employee in this role must comply with all requirements related to the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (SAFE Act) and its corresponding regulations. This includes but is not limited to obtaining and maintaining an active record and a unique identifier within the Nationwide Mortgage Licensing System and Registry (NMLSR), continuing to meet active record guidelines and associated minimum register standards. This includes any applicable continuing education courses set forth by the SAFE Act.

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EQUAL EMPLOYMENT OPPORTUNITY EMPLOYER