Mortgage Banker

Company: Renasant
Location: Birmingham
Posted on: November 26, 2022

Job Description:

Overview



The Mortgage Banker is responsible for establishing and maintaining relationships with Renasant Bank branch managers, Realtors and builders throughout a designated service area for the purpose of generating production of all 1-4 family residential products (conforming, conventional, FHA and VA as well as other products as they become available). This individual serves as the facilitator of the mortgage loan process, and also must maintain productive relationship with mortgage operations staff.



Location listed is preferred office location but other locations within our footprint may be considered based upon convenience and business necessity



RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER



Responsibilities



* Originate all types of 1-4 family residential loans

* Maintain written goals that are created in conjunction with the Mortgage Banking Department

* Coordinate loan production throughout assigned service area

* Maintain prescribed system status report of all loan cases in process

* Report monthly on the calls made to banks, realtors, and builders

* Communicate with the Mortgage Banking department in order to clarify program changes or updates to branch personnel throughout assigned service area

* Counsel and communicate with the prospective borrower for the purpose of determining what loan products would be applicable

* Schedule appointments to take applications at a location (home, branch office or work location) convenient to the customer and work with the customer in the completion of an accurate application and acquisition of supporting documentation

* Gather additional information required for the closing of the mortgage which is requested by the Mortgage Banking Department in a timely manner and maintain a status report of all loans in process

* Assist customer with closing contingencies

* Prepare Good Faith Estimate and Truth-In-Lending within 72 hours from date of application on all applications taken

* Provide the Realtor (if applicable) with a weekly written review on the progress of the loan

* Educate and update branch personnel throughout immediate service area on identification of conforming loan requirements and how to answer customer inquiries

* Establish rapport with the local real estate community and update regularly on programs available by calling on realtors, builders and attorneys that have an existing relationship with Renasant Bank for the solicitation of the origination of mortgage loans and to determine product needs and coordinate these needs with supervisor

* Survey local market areas regularly

* Establish priority accounts (realtors, builders, title companies, etc.) and visit respective offices at least once a week

* Conduct seminars for local realtors and new associates on different aspects of lending; i.e., conventional, FHA/VA, ARM's, CRA)

* Become active in local affiliations relative to mortgage loan production; i.e., Board of Realtors, Home Builders Association

* Perform all duties in compliance with state and federal regulations and internal policies and procedures as is applicable to the responsibilities of the position

* Attend production meetings as designated by management

* Maintain licenses and certifications, if applicable

* Work independently in an outside sales setting which requires reliable transportation

* Other related duties as assigned



The aforementioned duties are all essential job functions of this position.



Qualifications



* High School diploma or equivalent

* Ability to originate 1-4 family residential mortgage products

* Thorough knowledge of FHLMC/FNMA, FHA, VA and other general mortgage banking lending procedures and requirements

* Ability to communicate verbally and in writing and to deal cordially with the public

* Ability to organize time effectively

* Ability to learn and comprehend regulatory directives and procedures in a short period of time

* Ability to represent Renasant Bank in a professional manner projecting the image of "Customer Focused Banking"

* Ability to work independently and make decisions following state and federal regulatory guidelines

* Must have a reliable means of transportation to facilitate responsibilities



Physical Demands



The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.



Work Environment



The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank's employees, customers, and assets.



The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word "May".



This job description is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties. Other duties may be assigned as needs arise.



This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description. All requirements may be modified to accommodate physically or mentally challenged staff members reasonably.

Keywords: Renasant, Birmingham , Mortgage Banker, Other , Birmingham, Alabama