Job description

Converts mortgage loan prospects to closed loans using a consultative sales process which simultaneously meets the client's needs, results in a loan origination, and enhances the long term relationship between the bank and the client. Responsible for the timely submission of required borrower documentation. This may be accomplished by completing/obtaining the documents directly from the customer, or by utilizing our web site. Knows and successfully applies the principles of: Mortgage lending product knowledge Compliance Loan documentation Deal structuring for the customer's benefit Computer technology Builds purposeful relationships with referral partners by: Attending networking groups Attending open houses and similar events Visiting referral partners Becoming a community resource Utilizes an effective personal time management system. Cross sells other Bank retail and lending products as required. Ensures thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures (i.e. CRA, Fair Lending, etc.) evidenced by appropriate application of these regulations in day-to-day operations. Completes all necessary compliance training to include but not limited to BSA. Attends meetings and Bank events as required, and perform other duties as may be specified from time to time.

Requirements:
Education and/or Experience: High school diploma or equivalent. Bachelor's degree in related area is preferred. Minimum five years mortgage lending experience in the Oklahoma City market strongly preferred. Previous sales experience preferred. Computer Skills: Ability to proficiently operate office equipment including computers, calculators/adding machines, telephones, voicemail, electronic typewriters, copy machines, and fax machines. Intermediate MS Word, intermediate MS Excel, intermediate MS Outlook, intermediate knowledge of Internet and data base software. Experience with lending software is preferred. Communication Skills: Ability to read, write, and speak English. Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write reports and correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Strong sales, interpersonal, and communication skills. Mathematical Skills: Good command of the mathematics skills involved in residential lending including, but not limited to: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Good command of the reasoning skills involved in residential lending. Other Qualifications: Excellent, up-to-date knowledge of conventional and government mortgage underwriting requirements, real estate settlement practices, and of the residential lending business in general. Excellent interpersonal skills, a committed listener, shows empathy and deals well with individuals of all personality types, builds rapport and confidence quickly. Ability to work under pressure of multiple projects and deadlines; ability to effectively prioritize workload and manage changes in direction. Ability to work in a team environment. Established relationships with realtors, builders, and other resources for leads on mortgage loans. Must be registered (or eligible to obtain registration) under the Nationwide Mortgage Licensing System (NMLS).

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