Incumbent is responsible for providing secondary market mortgage loans to consumers.  The incumbent has extensive contacts on a daily basis with Bank customers and personnel as well as outside contact with real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities to insure a competitive product that meets the customer's needs. Administers all secondary market duties that aid in selling and purchasing loans. Reviews each loan transaction and compares lock commitment to purchase advice.

ESSENTIAL FUNCTIONS:

• Proactively solicits new prospects for residential mortgage secondary market loans through contacts and referrals with Bank customers, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities;
• Conducts interviews with prospective borrowers in order to analyze financial and credit data to determine customer financing objectives; 
• Advises customers of product/pricing policies and guidelines and gathers any additional required information;
• Continually identifies, develops and maintains a quality network of personal and business relationships that serves as a recurring source of referrals for new mortgage lending opportunities;
• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements;
• Demonstrates a commitment to professional ethics.
• Participates in job specific training and other various bank training programs as required.
• Complies with all Federal and State Laws and Regulations including BSA, AML and all bank policies and procedures.
• Other duties as assigned.
• Actively participate in the sales and service culture, support the values of the organization and follow established Bank policies and procedures.

MINIMUM QUALIFICATIONS:

• High school graduate or equivalent
• Four years mortgage experience are required.
• Knowledge of mortgage lending, laws/regulations procedures and be familiar with FNMA, FHLMC, FHA and VA regulations and guidelines as well and other loan programs offered.
• Incumbent must be able to work with little supervision.  
• Good organizational, communications, and customer relations skills are required.
• Attention to detail and mental concentration are necessary for accurately performing tasks, prioritizing workload, meeting deadlines, and handling frequent interruptions.
• Effective oral communication and interpersonal skills are essential.
• Professional demeanor is also essential.