CRA Mortgage Loan Originator

UCBI

  • Brentwood, TN
  • Permanent
  • Full-time
  • 13 days ago
United Community Bank is hiring for a CRA Mortgage Loan Originator. This position will have its sole focus promotion mortgage lending opportunities to borrowers in Low to Moderate Income (LMI) geographies and to LMI borrowers within the bank’s assessment areas to facilitate home ownership within the communities that we serve.Why Work for United Community Bank?At United Community Bank, we believe in combining top-of-the line financial solutions with award-winning satisfaction for our customers and employees. United Community Bank is known for excellent services; it is part of our foundation and is one of our guiding principles. We call ourselves The Bank that SERVICE Built to remind us every day of our brand promise.Join one of the Southeast’s leading financial institutions, a 2022 American Banker Best Banks to Work For to receive:
  • 11 paid holidays
  • 1 Holiyay
  • 10 paid vacation days
  • Up to 7 personal days per year
  • Up to 7 sick days per year
  • Paid Parental Leave
  • 1 day of paid volunteer time
  • 401(k) company match of up to 5%
  • Competitive Medical, Dental and Vision plans, including domestic partner eligibility
  • Employee Assistance Program
  • AND MORE!
What will you do as a CRA Mortgage Loan Originator?
  • Originate Community Reinvestment Act (CRA) loans in targeted assessment areas
  • Collaborate with senior management and the CRA Development Officer in furthering the organization’s commitment to being a meaningful and active participant in the communities in which the bank operates and act as an advocate for the bank in connection with identified community-focused service and lending opportunities
  • Collaborate with the bank’s CRA Committee and CRA Development Officer on the Community Reinvestment Act strategic plan as it relates to residential mortgage production
  • Engage in community networking in an effort to seek opportunities to partner with organizations to bring innovative and flexible financial solutions to meet the financial and credit needs of low- and moderate-income individuals, with a specific focus on residential mortgages
  • Liaise with local governments and community development organizations ensuring the bank’s presence is known and respected in the community. Build and manage a network of contacts within state and local government and community organizations.
  • Develop recommendations, presentations and reports for the CRA Committee with recommendations regarding potential direction for the mortgage channel. Develop close working relationships throughout the organization, including but not limited to the sales, business development and internal corporate teams.
  • Document CRA activities and outreach efforts performed
  • Ensure UCMS staff is aware of and trained on CRA and fair lending requirements
  • Keep up-to-date on CRA-related industry practices, and trends through attending training events and conferences
Required for success
  • A minimum of five (5) years of related experience within a regulated financial institution preferably a bank
  • Strong working knowledge of or ability to quickly become fluent in the requirements of the Community Reinvestment Act (CRA), Fair Lending laws (including the Fair Housing Act, Equal Credit Opportunity Act, Home Mortgage Disclosure Act) and related regulations
  • Excellent verbal, written, and interpersonal communication skills with the ability to communicate with executive management, regulatory officials, and community and government representatives
  • Demonstrated experience in initiating and managing projects and work across multiple departments and operational functions
  • Demonstrated leadership skills and ability to effectively formulate, communicate, and drive a CRA-based production plan
  • Ability to maintain and leverage a wide range of CRA-related contacts in the bank footprint including private, state and local government and community organizations
  • A team player able to work effectively in a team fostered, multi-tasking environment
  • Proficient in Microsoft Office suite, e.g., Excel, PowerPoint, Word, Outlook
Conditions of Employment:
  • Must be able to pass a criminal background check
  • This is a full-time, non-remote position
Reports toPresident, United Community Mortgage ServicesSupervisory ResponsibilityN/AOtherWe are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.At this time, United Community Bank will not sponsor a new applicant for employment authorization for this position.

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