Community Lending Mortgage Banker

Community Lending Mortgage BankerThis position is responsible for sales of first mortgage and concurrent second loan products to existing and potential banking diverse segment clients. Community Loan Officer duties include outside sales activities to cultivate new business and expand CNB's client relationships through the sale of mortgage loan products and services, uses consultative sales skills in support of sales and business development activities, meets directly with clients in to assess client needs and present multiple mortgage product solutions, and ethically market and promote the bank's mortgage products as require in growing his/her assigned territory. Regularly and customarily travels to prospective client and referral source locations (away from CNB offices) to perform sales, business development, and related activities; following up by telephone or electronic mail as needed. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act.What Will You Do?Outside Sales: Originate residential mortgage loans and related bank products and expand network of referral sources. Originations, in large part, are to be sourced through professional relationships (example: realtors, attorneys, CPAs, business managers, nonprofits, trade organizations, financial advisors) that fit within the banks overarching financial and diverse strategyCalls on clients or their designated representative's and referral sources at their places of business or other locations away from the office to prospect for and originate mortgage loansProvide sound and ethical loan counseling to all potential applicants.Act as liaison between Bank and customer during processing and underwriting, as procedures dictate, to ensure timely processing and best in industry customer serviceComplete the loan application and related processes with applicants while keeping with Bank policies, procedures and product guidelines and with applicable laws, regulations and accepted business practices.Forward substantially complete application packages to Processing and Underwriting within a system that adheres to TRID requirementsDevelop and/or implement sourcing strategies as required by written goals.Meeting or exceeding quantitative and qualitative goals as designed by sales management. Pursuing and fulfilling compensation goals within the spirit in which they were designed and with respect to the CNB brandStay abreast of sales and business development techniques, product offerings, legal and regulatory requirements and industry and real estate trends.Acquire and maintain proficiency in the use of the specific software systems utilized by the bank directly and indirectly related to mortgage originationsAttend regularly scheduled sales meetings, training sessions and Bank functions.Perform other duties as requested or assigned by management, such as special projects within the Residential Lending DivisionFoster and maintain active relationships with civic organizations within assigned territories for community service and business development purposes.Commitment to work of nonprofit organizations and making a positive impact in the communityIncrease mortgage loan volume, primarily focusing on underserved communities and low to moderate income consumers and geographies or targeted areasWhat Do You Need To Succeed?Required Qualifications*H.S. DiplomaMinimum of 5 years of retail residential mortgage sales experienceMinimum of 3 years of mortgage or financial experience as part of a community lending teamMinimum of 5 years of experience with diverse and underserved clientsMust be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act.Additional QualificationsHighly prefer network of professional and nonprofit referral sourcesHighly prefer a BA/BS degree with preference for business, finance, or economics degreeDemonstrated superior sales and marketing abilityConsistent written and verbal communication that is professional, thoughtful, clear and effective across all audiences, both inside and outside the bankPreferred experience with Net Oxygen, Salesforce, Blend, and Microsoft Office suiteKnowledge of mortgage credit policies and current industry compliance standardsMust meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.Promote the Bank's CRA efforts, fair and responsible banking goals, and the underserved communitiesWhat's In It For You?CompensationThis is a commission-based role and does not have a set salary range.Benefits and PerksComprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start dateGenerous 401(k) company matching contributionCareer Development through Tuition Reimbursement and other internal upskilling and training resourcesValued Time Away benefits including vacation, sick and volunteer timeSpecialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programsCareer Mobility support from a dedicated recruitment teamColleague Resource Groups to support networking and community engagementAbout UsSince day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.Inclusion and Equal Opportunity EmploymentCity National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.