Mortgage Banker (full-time)

Prospects for, underwrites, and closes secured and unsecured Real Estate loans in accordance with established regulations and lending objectives, policies and procedures. Establishes and manages positive business relationships with existing and prospective customers, by performing assigned duties and responsibilities.

Bachelor’s degree in business, finance or related field or equivalent years in the banking industry.

Three to five years of experience, preferably in a financial institution or mortgage loan department.

Language Skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public.

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to analyze financial statements and tax returns of businesses and individuals, and draw conclusions on the creditworthiness of the applicant.

Experience with Microsoft’s Windows Office Suite.

Must have strong credit analysis and underwriting skills.

Knowledge of all bank products and services is required.

Familiarity with various secondary market mortgage programs is preferred.

Actively develops new and existing customer relationships through key contacts within the local community to market the bank’s services with emphasis on Real Estate lending and other areas as designated.

Meet or exceed minimum number of customer development calls per month as defined in individual work plan.

Analyzes individual loan documents to determine customers’ cash flow, ability to pay the loan, profit potential of the loan, etc. i.e. approve loans within lending authority, sign official bank documents, authorize wire transfers and make decisions on behalf of the office, etc.

Meets and interviews applicants to determine creditworthiness, deny or grant each loan, secure required signatures, explains procedures or reasons for denial, and presents possible alternatives to those denied to maintain a favorable bank image.

Monitors and collects past due loans in a manner which will minimize the bank’s loan losses while providing flexibility to customers and documentation of exceptions.

Full-time

We offer a competitive benefits package including health insurance, dental insurance, vision insurance, 401k, profit sharing, and ancillary benefits.

Applicants with disabilities may contact the company coordinators via telephone, fax, e-mail, and other means to request and arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Frandsen Financial Corporation, Frandsen Bank & Trust, Frandsen Investment Services and Frandsen Wealth Management - Shannon Robideau View email address on click.appcast.io Opportunity Employer/Protected Veterans/Individuals with Disabilities
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