Residential Lender
SmartBank
- Chattanooga, TN
- Permanent
- Full-time
- Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart. Actively participates in mortgage department meetings and geographic market meetings.
- Works in the community to create a brand awareness through outside sales.
- Attend events throughout the markets they support to increase brand awareness.
- Solicits first mortgage loans. Informs prospective loan clients of the financial institution’s underwriting guidelines and applicable secondary market guidelines.
- Accepts online applications and interviews loan applicants by phone or in-person.
- Completes each loan application and all pre-processing functions in a timely manner to permit the disclosures to be sent out within the required three-business day period.
- Works with loan processor in gathering requested documents and necessary signatures for loan files.
- Orders credit reports and analyzes the credit history of applicants to determine their loan repayment capabilities. Completes appropriate underwriting documentation for each loan file.
- Submits loan to AUS for initial approval.
- Ensures maintenance of consistent file management, documentation and loan administration practices.
- Attends loan closings at various locations in the community they serve.
- Actively markets SmartBank’s mortgage products and services to realtors, builders, CPA’s, financial planners, title companies, etc. to solicit mortgage business. Completes weekly sales call reports and pipeline reports in a timely manner.
- Handles mortgage loan inquiries (cold calls) generated from advertising sources, customer referrals, etc. for assigned territory by visiting potential clients in the field.
- Cross-sells all other bank products when warranted and appropriate.
- Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
- Performs other duties as assigned.
- Two to four years of experience in originating secondary market mortgages, preferably in a bank environment.
- Excellent communication skills (written, verbal, listening).
- Detail-oriented and well-organized.
- Ability to handle multiple priorities and produce results.
- Ability to handle frequent changes.
- Ability to maintain confidentiality and adhere to the institution’s privacy policies.
- High level of integrity.
- Willingness to travel throughout their assigned territory to meet clients, solicit new business and attend community events in an outside sales capacity creating brand awareness.
- Work with little to no guidance but willing to independently meet goals and objectives as defined by supervisor.
- Self-motivated/takes initiative.
- Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing proficient.
- Demonstrates ability to maintain a positive attitude.
- Able to maintain regular and predictable attendance.
- Willing to accept new ideas and methods and be agreeable to change.
- Frequently and regularly required movements using wrists, hands, and/or fingers.
- Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
- Ability to hear average or normal conversations and receive ordinary information.
- May be required to travel to training sessions or meetings.
- Medical, dental, vision, life, and disability insurance.
- A 401(k) plan with an employer match of up to 4%.
- Generous paid time off (PTO), including a minimum of 3 weeks.
- SmartFlex Days.
- Up to 11 Paid Company Holidays.
- Mental health benefits, include 8 free sessions with a coach or certified professional.
- Paid community involvement opportunities.
- Company-provided apparel at no cost.
- Learning and development opportunities, including professional and career development and tuition reimbursement.