Community Lending Mortgage Banker

COMMUNITY LENDING MORTGAGE BANKER Overview This 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, using consultative sales skills in support of sales and business development activities, meeting directly with clients to assess client needs and present multiple mortgage product solutions, and ethically market and promote the bank's mortgage products as required in growing the 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 Safe Act and must be registered/licensed with NMLS; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act. Responsibilities Outside Sales: Originate residential mortgage loans and related bank products and expand network of referral sources. Originations are sourced through professional relationships (examples: realtors, attorneys, CPAs, business managers, nonprofits, trade organizations, financial advisors) that fit within the bank's overarching financial and diverse strategy. Calls on clients or their designated representatives and referral sources at their places of business or other locations away from the office to prospect for and originate mortgage loans. Provide sound and ethical loan counseling to all potential applicants. Act as liaison between Bank and customer during processing and underwriting to ensure timely processing and best in industry customer service. Complete 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 requirements. Develop and/or implement sourcing strategies as required by written goals. Meet or exceed quantitative and qualitative goals as designed by sales management. Pursue and fulfill compensation goals within the spirit in which they were designed and with respect to the CNB brand. Stay 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 related to mortgage originations. Attend 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 Division. Foster 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 community. Increase mortgage loan volume, primarily focusing on underserved communities and low to moderate income consumers and geographies or targeted areas. Qualifications Required Qualifications H.S. Diploma Minimum 5 years of retail residential mortgage sales experience Minimum 3 years of mortgage or financial experience as part of a community lending team Minimum of 5 years of experience with diverse and underserved clients Must be in good standing under Safe Act and registered/licensed with NMLS; or able to be registered under the Safe Act; must remain in good standing under the Safe Act. Additional Qualifications Highly prefer network of professional and nonprofit referral sources Highly prefer a BA/BS degree with preference for business, finance, or economics degree Demonstrated superior sales and marketing ability Consistent written and verbal communication that is professional, thoughtful, clear and effective across all audiences Preferred experience with Net Oxygen, Salesforce, Blend, and Microsoft Office suite Knowledge of mortgage credit policies and current industry compliance standards Must meet and comply with all requirements set forth in the SAFE Act, including successful completion of background checks and obtaining a Unique Identifier from the NMLS Promote the Bank's CRA efforts, fair and responsible banking goals, and the underserved communities What's in it for you? Compensation This is a commission-based role and does not have a set salary range. Benefits and Perks At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues, including: Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date Generous 401(k) company matching contribution Career Development through Tuition Reimbursement and other internal upskilling and training resources Valued Time Away benefits including vacation, sick and volunteer time Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs Career Mobility support from a dedicated recruitment team Colleague Resource Groups to support networking and community engagement Get a more detailed look at our Benefits and Perks. About Us Since 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 Employment City 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. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. #J-18808-Ljbffr