Senior Mortgage Banker - Retail

Senior Mortgage Banker - RetailThe 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 by building relationships with referral partners.

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