Job Description

Consumer Direct Mortgage Banker at City National Bank of Florida summary:

The Consumer Direct Mortgage Banker originates and processes mortgage loans primarily through company-directed channels, ensuring compliance with federal and state regulations. They act as an advisor to prospective and existing mortgage customers, maximizing loan production through referrals and marketing efforts. The role also involves managing customer pipelines, recommending loan solutions, and maintaining exceptional customer service standards.

Overview:

The Consumer Direct Mortgage Banker is responsible for mortgage loan production through channels directed by the Residential Director of Sales. The primary source of business will be directed from company sourced initiatives. Acts as an advisor to potential and existing mortgage customers. Maximize production with referrals from LOB Partners, affinity partners and past clients. Ensure an exceptional customer experience is maintained with all potential and existing customers. Ensure all aspects of mortgage applications are in compliance with all applicable state and Federal laws, regulations and bank policies and procedures.

Principal Duties & Responsibilities:

• Consistently meets and exceeds individual and/or team sales goals, including but not limited to deposit, loans and other, as applicable.
• Increase conforming loan applications through marketing and generating referrals from centers of influence, previous customers and client referrals.
• Identify the financial needs of the customer and introduce to other lines of business within the bank (when applicable).
• Recommends loan solutions in accordance with lending guidelines and clients' requirements.
• Collects and analyzes customer financial information for multifaceted and/or complex borrowers.
• Develops and prepares loan solutions and refers products and services; reviews documentation to ensure compliance. Manages customer pipeline for efficiency.
• Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.
• Assists the applicants of new MLOs/ MBs during onboarding.

• 5+ years experience in mortgage loan origination.
• Thorough understanding of underwriting criteria and guidelines.
• Knowledgeable in all aspects of the Federal and State Regulations dealing with Mortgage and Home Equity lending.
• Strong computer skills and competence in Microsoft Office.
• Must have professional appearance and demeanor at all times.
• Bilingual desired.

• Bachelor's Degree in Business, Real Estate or related field.

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCP here.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at employment@citynational.com.

Keywords:

mortgage loan origination, loan compliance, customer advisory, referral marketing, loan solutions, financial analysis, pipeline management, regulatory compliance, mortgage banking, customer service

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