Mortgage Banker

Responsibilities Represent UMB at community events and business development functions Promote financial awareness and identify community needs to align with product and services Establish and maintain referral relationships with community based organizations, internal partners, real estate agents and customers Recommend product or services based on feedback from the community to enhance current credit offerings Counsel and pre-qualify potential home buyers on credit and affordability Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount and mortgage insurance to applicants Provide necessary information and inform applicants of status with clear communication Focus efforts to expand home ownership for first time buyers Provide financial education trainings to serve the needs of the community Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs Structure and originate first mortgage loans and gather supporting documentation to meet federal, state and company regulations and policy and procedures Promote bank wide products and programs that focus on the communities UMB serves Requirements You have a high school diploma or equivalence You have 3-5 plus years mortgage and banking experience Or if you have any combination of education and experience which provides an equivalent background You are effective with business communication skills, both verbal & written You have established time management and organizational skills You are able to work independently, with strong initiative and reliability You have a thorough knowledge of FHA, VA, CONV, guidelines and real estate market in local area You have maintained current registration with the National Mortgage Licensing System Registry You are able to obtain the required S.A.F.E registration at time of employment You have the ability to travel and work outside of the office regularly Certifications High school diploma S.A.F.E registration #J-18808-Ljbffr