Company: Lake Area Bank
Location: Saint Paul
Posted on: August 6, 2022
Job Description This is a full time Mortgage Lending position
with Lake Area Mortgage. The purpose of the position is to evaluate
and analyze the financial situation of current and prospective
customers. Provide counseling and recommendations on appropriate
mortgage products that best suits the current needs of the
customers. Full support staff on site to support the needs of the
lenders and customers.
Benefits:Health, Dental, Vision, Life, Accidental, Critical
Illness, 401K ER match, Profit Sharing, Discount on bank products
and services, Recognition, Wellness, Employer Sponsored events for
employee's and their families.
RESPONSIBILITIES:•Originate investor quality first mortgages
saleable in the secondary market.•Meets with applicants to obtain
information for loan applications and to answer questions about the
process.•Analyze applicants' financial status, credit, and property
evaluations to determine feasibility in granting loans.•Explains to
the customers the different types of mortgage products and credit
options that are available, as well as the terms of those
services.•Obtains and compiles copies of loan applicants' credit
histories, and corporate financial statements (if
applicable).•Reviews loan agreements to ensure they are complete
and accurate according to policy.•Maintains current knowledge of
credit regulations.•Provide high level of customer service and
build strong banking relationships.•Develops internal and external
referral sources.•Generates and follows up on customer
leads.•Generates fee income consistent with assigned volume
expectations.•Ensures compliance to policy, regulations, and
investor guidelines.•Stays abreast of new types of loans and other
financial services and products to better meet customers'
needs.•Participates in and closes loans with various local and
EDUCATION: HS Diploma required. Bachelor's degree in a related
field is preferred.
EXPERIENCE:•Strong sales background.•Strong mathematical
skills•Strong computer skills•Must have minimum of 5 years
experience in mortgage lending in a banking environment.•KNOWLEDGE,
SKILLS and ABILITIES:•Must be able to multi-task and handle high
volume of clients.•Able to work both independently as well as part
of a team•Strong interpersonal skills•Excellent verbal and written
communication skills•High degree of professionalism with regards to
tact, confidentiality and accuracy
WORK ENVIRONMENT:Normal office environment.Frequent travel to
clients, customers, other LAB locations.
Keywords: Lake Area Bank, St. Paul , Mortgage Banker, Other , Saint Paul, Minnesota
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