Job Description
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Job Type
Full-time
Description
We are an MDI which means we are a community-based bank that provides focused financial services, tools, and education to promote economic opportunity and financial equity and help community members invest in the success of the community.
As an MDI, we have a renewed purpose to invest in the financial success of our customers and the economic support of our neighborhoods.
The Mortgage Loan Originator originates first mortgage loans and home improvement loans for consumers.
Requirements
Duties and Responsibilities:
Originates one-to-four family residential loans by talking with customers and by contacting realtors, builders, etc.; engages in sales efforts at the customer's home or place of business and away from the bank's place of business or any office maintained for loan production business purposes. May occasionally engage in sales efforts inside the branch to support cross sales of banking products.
Responds to customer/contact inquiries regarding the association's loan products and customer's applications.
Keeps up-to-date on government regulations and the association's policies and procedures regarding lending; participates in quarterly compliance training on banking regulations for industry.
Promotes the association's Community Reinvestment Act loan program to real estate agents in low-to-moderate income neighborhoods.
Develop partnerships with home buyer education providers, lead and deliver approved materials and facilitate home buyer education workshops. Collaborate with other associates to be assist with this education.
Projects a positive image of the association and make sales contacts by participating in community activities, organizations, and business-related functions.
Cross-sells bank products and services and keeps up-to-date on the association's entire product line including both lending and savings products. Actively pursues bank deposits from loan opportunities.
Knows, understands, and complies with current fair lending laws and bank policies and procedures; addresses same at all times.
Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable.
Complies with all applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations.
Other duties as required.
Necessary competencies:
Adaptability
Communication skills
Customer service
Interpersonal skills
Job knowledge
Judgment
Leadership
Planning and organization
Staff development
Technical Expertise
Experience in sales is required.
Experience in customer service is required.
Experience in mortgage lending along with lending laws, regulations, & guidelines is preferred.
Experience in commissioned sales is preferred.
Experience in financial services or banking is preferred.
Proficiency in MS Office [Outlook, Excel, Word] or similar software is required. Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred. CRM software is preferred.
Education and Experience
Education: High School Diploma or equivalent is required; Bachelor's degree is preferred.
Certification: NMLS is/will be required.
Years of experience: 3 to 5 years is required.
Physical Environment
While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.
The employee must occasionally lift and/or move up to 25 pounds.
The noise level in the work environment is usually quiet to moderate.
This position is customarily and regularly performed outside of an office setting and hours of work are not structured.
First Mutual Holding Co. and First Federal Lakewood is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. First Federal Lakewood participates in E-Verify and supports your right to work.
