Mortgage Relationship Manager

Position Summary A Mortgage Relationship Manager is responsible for sourcing residential mortgage loan opportunities and coordinating the loan closing process between the client and the bank. Essential Duties & Responsibilities Regularly call upon realtors, builders, accountants and other sources of leads for potential mortgage loan prospects. Follow up on referrals from other Studio bankers and from centers of influence in a timely manner. Provide and explain prospective clients with clear, cohesive and timely terms, conditions and closing procedures for the bank's mortgage loan product offerings. Make product recommendations to applicants based on their individual situations and the various products available from potential loan purchasers. Gather the necessary application, tax returns and other due diligence items required by the bank to make an informed credit approval decision. Provide the appropriate disclosures to the applicant in a timely fashion as required by bank policy and regulatory requirements. Coordinate the loan closing process with the client, operations staff, title company and other third-party participants and communicate regular process updates with the client. Other duties as assigned. Essential Competencies Thorough knowledge of mortgage lending principles including underwriting and documentation. A basic understanding of consumer mortgage lending laws and regulations. Self-motivated and performance driven sales attitude. Ability to calculate figures and amounts such as interest, financial ratios and percentages. Ability to read and comprehend instructions, correspondence, and memos. Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to maintain confidentiality. Proficient technology skills. Proficient user of Microsoft Office products. Excellent communication skills, both written and verbal. Persuasive communication skills. Effective problem solving and decision-making skills. Ability to manage multiple priorities. Resourceful and well-organized. Essential Experience At a minimum should have three years of banking, mortgage lending or similar experience. Preferred Experience At least five years of residential mortgage lending experience. Demonstrated an ability to produce strong sales results. A familiarity with the Middle Tennessee residential mortgage lending market. Essential Education High school diploma or Bachelor's degree (B.A.) from four-year college or combination of experience and education. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. The ability to sit for lengthy periods of time. Frequent use of computer, calculator, and other office equipment. While performing the duties of the job, the employee is regularly required to stand, sit, walk, use hands to finger, handle or feel, reach with hands and arms, stoop, kneel, crouch, crawl, talk and hear. Physical mobility and the ability to exert up to 50 pounds of force occasionally and up to 20 pounds of force frequently. Visual acuity to perform activities such as: preparing and analyzing data, inspecting handwriting and documents, viewing a computer terminal, expansive reading and using measurement devices. The physical environment includes inside conditions in which there will be protection from weather conditions but not necessarily from temperature changes. Flexibility to deal with changing work hours and locations as needed. #J-18808-Ljbffr Studio Bank