Mortgage Banker - Retail - 36099_66048-4804

Commerce Bank • Leavenworth, KS • 6d ago

This job was posted by https://www.kansasworks.com : For more information, please see: https://www.kansasworks.com/jobs/13328994 About Working at Commerce

Building a career here is more than just steps on a ladder. It\'s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn\'t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you\'ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You\'ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn\'t come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let\'s talk.

Compensation Range

Annual Salary: \$37,000.00 - \$37,000.00 (Amount based on relevant experience, skills, and competencies.)

About This Job

The main purpose of this job is to originate home loans. The primary focus will be to drive new sales within our available lending territory. Growth will likely include managing current client base; as well as, a plan of action to increase market share attracting new clients.

Essential Functions

Network both with internal and external referral partners to build

book of business (ie - realtors, builders, etc.)

Visit Commerce branches within assigned geography on a weekly basis

to meet with Commercial Bankers and customers to discuss mortgage products

Manage production pipeline and documentation collection while

coordinating with fulfillment team to ensure an efficient flow. Communicate between borrowers and referral partners.

Analyze applicants\' financial status, creditworthiness, and

property evaluation to determine eligibility and feasibility of granting home loans

Provide financing options and customize solutions by conducting a

deep dive analysis of the application, credit profile, financials, etc. and ensuring options offered fit within the guidelines of the lending/sellers guide(s) by product @type (FHA/VA, Conv, HELOC). Follow the ASK LISTEN SOLVE process of discovery and proposing options.

Pre-underwrite file to obtain and analyze documentation, in a timely

fashion, regarding employment, credit, income, assets and collateral. Verify documentation meets CMC/Investor/Agency Standards prior to submission to our operations partners.

Adhere to CBI Code of ethics, Do not Call Regulations, Privacy and

Opt-Out procedures, HMDA data collection, Suspicious Activity procedures, Adverse Action requirements, Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Commerce\'s pricing policies, and all Fair Lending policies and procedures

Manage and deliver best in class client care to an active loan

pipeline of up to 20 loans in a pre-funded status

Manage and deliver best in class client care to an active lead

pipeline of up to 150 clients utilizing lead management data base and all of its capabilities

Timely communicate updates and requests to clients in accordance

with current Service Level Agreements (SLA\'s) and compliance industry regulations. This includes but is not limited to standard policy-required applicant correspondence regarding needed file documentation, looming deadlines, general milestone communication points and decisions

Maintain continual, consistent, and open communication with all

appropriate parties to the transaction in accordance with current Service Level Agreements (SLAs) to ensure a timely closing that exceeds the client\'s expectations. Consistently document lead management system and loan origination system with client communications/expectations, timelines, next steps, action items, owners of the actions, loan condition needs

When called upon, provide customer / conversion feedback to

leadership team, marketing team, secondary marketing team and technology team

Perform other duties as assigned

Knowledge, Skills & Abilities Required

Intermediate knowledge of mortgage products

Strong credit risk analysis and loan origination skills

Ability to focus on customer\'s needs, both internal and external, to develop and sustain productive customer relationships ensuring the opportunity to increase products per household

Develop and maintain collaborative relationships to facilitate and achieve corporate results

Ability to achieve an exceptional level of technical and professional skills/knowledge in job-related areas; keeping abreast of current developments and trends in area of expertise

Ability to take prompt and proactive actions to accomplish objectives

Ability to maintain a valid driver\'s license and meet Commerce Bank\'s driving record criteria; ongoing employment may be contingent upon meeting all driving requirements

Motivated and organized self-starter with strong attention to detail and the ability to

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