Mortgage Banker

Job Description

Job Description

First Western Bank is searching for an on-site Mortgage Banker at our community bank in Harrisburg SD.

At First Western Bank, we're more than a bank. We're a family-owned organization with a proud history of helping customers, businesses, and communities thrive. As we expand into Harrisburg, South Dakota, we're looking for talented individuals who are passionate about building relationships, delivering exceptional customer service, and making a difference in their community.

Founded in 1964, First Western Bank has built its reputation on community stewardship, respect, excellence, dedication to customers, integrity, and trust. Team members who join our new Harrisburg location will have a unique opportunity to help establish our presence, build lasting customer relationships, and shape our reputation in one of South Dakota's fastest-growing communities.

If you're looking for a career where you can make an impact, grow professionally, and help build First Western Bank's future in Harrisburg, we'd love to have you apply!

Mortgage Banker Position Overview

Develop new mortgage loan business for First Western Bank by developing a community network, soliciting business, responding to customer inquiries, and contacting mortgage referrals; oversee the mortgage loan process from application to closing; provide ongoing customer support with mortgage customers; and provide training for Mortgage Bankers as needed.

• Assist the mortgage loan process from application to closing
• Promptly respond to all inquiries and online applications
• Interview prospective borrower to analyze financial and credit data
• Determine customer’s financing objectives and advise customer of product/pricing and guidelines
• Take detailed loan applications, turn completed files to processing team and help resolve any problems
• Ensure all loans comply with regulatory, legal and bank requirements; including timely and accurate delivery of required disclosures
• Assist with training/mentoring other Mortgage Bankers
• Provide ongoing customer support; including education, advice, progress reports, answering questions, and resolving problems
• Maintain a clean pipeline with an organized follow-up approach and clear communication in relation to interest rate locks, closing dates, extensions, etc.
• Establish and maintain an effective network of mortgage referral sources such as realtors, contractors/builders, financial planners, accountants, and others
• Maintain knowledge of underwriting criteria
• Represent and promote the company to the public and provide leadership through community involvement
• Participate in marketing the bank’s products and services

Mortgage Banker Qualifications

• Bachelor’s degree in accounting, finance, business related field; or equivalent work experience
• Minimum 3 years of banking/lending experience
• Knowledge of the secondary mortgage market
• Knowledge of lending and lending policies & procedures
• Knowledge of government loan programs preferred
• Able to be licensed and registered by the National Mortgage Licensing System (NMLS)

Mortgage Banker Competencies

• Building Relationships – able to grow and maintain strong long-term customer relationships
• Business Judgment – able to identify business relationships and make sound decisions that are in the best interest and long-term success of the bank
• Communication – excellent written and verbal communication skills to clearly convey information to diverse audiences
• Customer Focus – able to understand customer needs and promote the value of the bank’s products and services
• Emotional Intelligence – can navigate difficult situations with empathy and understanding, fostering positive relationships
• Interpersonal Skills – can communicate and interact with others in a way that promotes mutual respect and trust
• Negotiation – able to lead negotiations and convert them to mutually beneficial agreements or solutions
• Persuasiveness – ability to build strong relationships and trust with colleagues, clients, and stakeholders; fostering collaboration and consensus
• Problem-Solving – skilled in identifying and resolving complex problems using analytical and critical thinking skills
• Resilience – able to bounce back from difficult situations and maintain a positive attitude and performance
• Teamwork – proven ability to work collaboratively in a team environment to achieve common goals
• Time Management – highly organized and efficient, with a proven ability to manage multiple projects and meet deadlines
• Willingness to Learn – open to new ideas, seeks opportunities to expand knowledge and skills, actively participates in training programs, and seeks feedback to enhance performance
• Technology - skilled in Microsoft Office (Publisher, Power Point, Word, Excel, Outlook) and necessary bank software

First Western Bank & Trust is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, or veteran status.