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Mortgage Banker

Company: Lake Area Bank
Location: Saint Paul
Posted on: August 6, 2022

Job Description:

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 government

QUALIFICATIONS

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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