POSITION PURPOSE:
Actively markets and networks with prospective customers and referral contacts to originate secondary market residential mortgage loans and services to meet their needs. Develops residential mortgage referrals by leveraging existing relationships with realtors, builders, financial planners, attorneys, etc. while at the same time developing and nurturing other potential referral sources. Responsible for establishing, while at the same time exceeding customer expectations on all levels of a real estate transaction. Helping create and foster a culture that lies within the overall vision of the bank while at the same time having a fun time doing it.
DUTIES, SCOPE, RESPONSIBLIITIES & AUTHORITY:
Originate real estate loans in accordance with Federal guidelines and established lending objectives, policies and procedures. Establish and maintain positive relationships with existing and potential customers. Promotes and develops relationships with referral sources such as realtors, builders, attorneys, and other affinity groups to generate mortgage leads and cross sell bank products. Interview applicants and request appropriate credit documentation and specified information for loan application. Analyze applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
Compile upfront compliance information and assure timeline requirements are met. Answer applicant questions. Correspond with applicants to resolve questions regarding application information. Match applicants' needs and qualifications with potential loan programs. Ensure loan meets selected program guidelines. Submit loan package to Processor for processing in a timely manner. Work closely with loan processors to ensure loans are handled in a timely and efficient manner in accordance with company policies and guidelines. Inform applicants of loan approval, denial or outstanding conditions. Handle correspondence with applicants in regard to locking of loan and handle actual locking process in accordance with current company procedures and requirements. Provide excellent customer service and solves customer related problems quickly. Maintain and enhance market awareness including economic information, housing data and competitive trends; based on this information, helps develop programs or recommend product enhancement to address customer needs. Maintain and enhance personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position. Establish and maintain positive working relationships with Realtors, Business Partners and any other potential business sources. Support and cultivate bank referrals and relationships. Communicate with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image. Perform other duties when assigned.
Central Bank has been serving the St. Louis metropolitan area for over 115 years. Since our inception we have been a conservative financial institution and have always focused on the basic business of making loans in and attracting deposits from the communities we serve. Today we still take the same approach to our business throughout the metropolitan area.
We offer local management, long-term stability and a full range of deposit and lending products and services coupled with a very personalized approach to providing financial services.
We are one of the top mortgage lending providers in the St Louis area with a knowledgeable and experienced group of loan officers and mortgage staff. Our commercial lending team has a long history of working with businesses to finance their needs today and as they grow in the future.
Central Bank offers a full range of online banking services including online bill pay, mobile check deposit, e-statements and a full complement of checking and savings products
Central Bank is a wonderful place to grow and develop your talent! We are more than a place to work, we encourage teamwork, community involvement, and a family environment rooted in respect and pride for each person who contributes to our success and the success of our customers.
Central Bank is family-owned. We refer to our team as our “Central Bank family.” This comes from a genuine appreciation for the people who dedicate their talent to our company’s success. Providing outstanding benefits is one of the primary ways we strive to be an employer-of-choice. Our overall compensation philosophy is based on pay for performance and ensures our employees are paid competitively. Our employees also have access to a comprehensive package of benefits, rewards and recognition.