Community Mortgage Lender Department: Mortgage Sales Position Reports to: Area Sales Manager or Regional Sales Manager Position Supervises: No Direct Reports Premier Summary: At Premier Bank, an affiliate of Premier Financial Corp., we're Powered by People, and know that our success is directly tied to great work by our team members. Our employees are dedicated to our clients, communities and each other. We are committed to promoting inclusiveness, diversity and a sense of belonging throughout o... more details
Position Title: Community Mortgage Lender
Department: Mortgage Sales
Position Reports to: Area Sales Manager or Regional Sales Manager
Position Supervises: No Direct Reports
Premier Summary:
At Premier Bank, an affiliate of Premier Financial Corp., we’re Powered by People, and know that our success is directly tied to great work by our team members. Our employees are dedicated to our clients, communities and each other. We are committed to promoting inclusiveness, diversity and a sense of belonging throughout our organization. We provide competitive benefits, incentive compensation, paid time off that includes paid community service hours, flexible spending accounts, retirement programs, professional development, tuition assistance and so much more. If you want to make a difference, choose to share your talents at Premier.
Position Summary:
The Community Mortgage Lender will focus on supporting Low to Moderate Income (LMI) individuals and Tracts, Minority Borrowers and Majority Minority market areas by developing referral relationships with realtors, community development groups, housing counseling agencies, faith-based organizations and other organizations dedicated to underserved borrowers or communities in the market area. As a brand ambassador for the Company, the CML will develop strategies to educate the community regarding the Bank's CRA programs and efforts to generate loans. Responsible for originating residential first mortgage loans and developing new retail mortgage business designed to create homeownership opportunities for targeted borrowers. The role will work closely with the CRA and Community Development teams to promote and advocate Premier Bank’s community products.
Duties and Responsibilities:
• Develops and implements sales strategies to establish relationships with realtors, community development groups, housing counseling agencies, faith-based organizations and other organizations dedicated to underserved borrowers or communities in the market area to increase homeownership referrals.
• Interviews and counsels prospective mortgage applicants regarding loan programs and loan terms. Assist borrowers by making appropriate recommendations.
• Originates residential mortgage loans to low/moderate income borrowers and in low/moderate income tracts using the bank’s loan origination software systems at the point of sale.
• Creates awareness of Premier Bank’s product and services in majority, minority census tracts.
• Demonstrates professionalism and respect to customers and bank partners.
• Complies with Federal and State regulations as well as organizational policies and procedures.
• Promotes bank products and services to loan applicants.
• Completes other duties as assigned
Education, Certification, License and Experience:
• High school diploma or equivalent.
• Minimum of 3 years related experience in a financial institution with a minimum of two years of community lending experience
Skills and Knowledge:
• Strong knowledge of mortgage products.
• Strong knowledge of procedural and regulatory requirements.
• Excellent sales, public relations and customer service skills.
• Excellent interpersonal, communication and organizational skills.
• Excellent organizational skills and the ability to adapt to various working conditions.
• Responsible for knowing and ensuring compliance with applicable laws, regulations and guidelines, as detailed in policies that include but are not limited to Bank Secrecy Act and other applicable anti-money-laundering rules, Fair Lending, Community Reinvestment Act, Gramm-Leach-Bliley Act, and other laws and regulations as they pertain to the position.
Work Environment:
This job operates in a professional office environment. Work is normally performed in a typical interior work environment, which does not subject the employee to any hazardous or unpleasant elements.
Physical Requirements:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to speak or hear, stand or sit for long periods of time, open filing cabinets, walk, stoop or bend, use hands to handle or feel and reach with hands and arms. The employee must frequently lift and/or move up to 10 pounds, occasionally lift and/or move up to 25 pounds and complete tasks requiring manual dexterity. Ability to drive a vehicle for travel is required for the position.
Premier Financial Corp is an Affirmative Action and Equal Opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or any other legally protected status.
The above statements are intended to describe the essential functions of the job and the qualifications of the person assigned to it. They are not intended as an exhaustive list of all job duties, responsibilities and requirements. Duties, responsibilities and activities may change or new ones may be assigned at any time with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description does not constitute a contract of employment. Employment is “at will” and may be terminated at any time.
