Job Details
Job Location: San Antonio Branch - San Antonio, TX
Salary Range: Undisclosed
Description
About the Change Company
We take our mission to bank the underbanked seriously, fairly, and responsibly. We bring digital-first banking, lending, and financial services to the Black, Latino, and underbanked communities which will disrupt legacy banks and neo banks.
The Change Company takes pride in our diverse and inclusive workplace. We are an entrepreneurial, collaborative, enthusiastic, customer-oriented, fast-paced, and multicultural workplace. We have a strong set of values and strive for long-term success and growth.
We have an experienced leadership team who have served in various fintech, banking and lending industries. We are a Community Development Financial Institution (CDFI) serving 50,000 borrowers with over $10 Billion in loans since our CDFI certification.
Join us in disrupting banking, lending, and the status quo.
If interested, please feel free to contact our recruiter, Juliet Arpaia.
Call or Text: 562-208-1220
About the Role
The Branch/Sales Manager is responsible for soliciting, analyzing, negotiating, and verifying mortgage loan applications for the purchase or refinance of residential real estate. Spends more than 50% of the work time away from place of business soliciting new loans.
Essential Job Duties/Responsibilities
- Consistently spends more than 50% of work time away from place of business (including home office) in solicitation of new business.
- Meets with and interviews potential and current clients to understand their lending needs including first-time mortgages and refinance of existing loans.
- Demonstrates knowledge and communicates effectively regarding mortgage options.
- Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications.
- Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness.
- Reviews loan applications, gathers credit histories and reports, and completes initial assessment of applicants’ capacity to repay and default risk.
- Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.
- Develops and maintains contacts with local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages.
- Ensures all originations processes are in accordance with CHM policies, procedures and state and federal regulatory laws.
- Maintain and protect all confidential and personal private information gathered in course of performing job duties.
- May manage and direct the work of support staff.
- Performs other duties as assigned.
Qualifications
Skills and Requirements
- Mortgage (Fannie Mae), Federal Housing Mortgage Corporation (Freddie Mac) and other types of conventional and non-conventional loans.
- Demonstrates knowledge of, adherence to and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: Regulation Z (Truth in Lending Act), Regulation B (Equal Credit Opportunity Act), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) in conjunction with the USA PATRIOT Act, Anti- Money Laundering (AML) and Customer Information Program (CIP), Right to Financial Privacy Act (RFPA, state and federal) and all other state and federal regulatory laws.
- Excellent interpersonal and customer service skills.
- Excellent organizational skills and attention to detail.
- Intermediate math skills to effectively comprehend and explain financial calculations and pricing
- Ability to work with limited supervision, MUST have worked in a Retail Branch prior
- Proficient with Microsoft Office Suite or related software.
- Ability to travel outside of the office over 50% of the time.
Experience
- Branch Manager: 3 years (Required)
- Loan origination: 3 years (Required)
License/Certification
- NMLS Certification (Required)
Perks
- Competitive compensation reliant on ability & experience
- Excellent benefits package including multiple health, dental & vision options
- Company paid life and AD&D Insurance, as well as additional voluntary benefit possibilities
- 401K with robust company match
The company is an Equal Opportunity Employer, drug free workplace, and complies with ADA and State regulations as applicable.