CRA Mortgage Banker

SUMMARY/OBJECTIVES

The CRA Mortgage Banker establishes relationships with nonprofit housing groups, state and local housing offices, and community-based affordable housing organizations to generate and increase mortgage lending opportunities in the bank’s efforts to meet its goals relating to the Community Reinvestment Act (“CRA”) and underserved consumers.

ESSENTIAL FUNCTIONS

• Increases mortgage loan volume, primarily focusing on underserved communities and low-to-moderate income consumers and geographies, through effective selling

• Promotes the Bank’s CRA efforts and generates residential mortgages in targeted areas

• Establishes relationships with nonprofit housing groups, state and local housing offices, and community based affordable housing organizations to generate and increase CRA mortgage opportunities within targeted areas

• Partners with state, local and county down-payment-assistance programs

• Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations

• Advises customers on the mortgage loans that are appropriate for their individual financial circumstances

• Develops leadership abilities in the community when it comes to mortgages and mortgage knowledge

• Builds and deepens relationships with industry-specific centers of influence, such as real estate agents and contractors

• Maximizes the bank’s resources to assist in selling and establishing relationships

• Structures loan to comply with acceptable lending practices and Federal regulations

• Complies with all appropriate bank policies and regulatory guidelines

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES

• Good organizational skills

• Proficient in Microsoft Office products

• Sales acumen

• Strong written and verbal communication skills

Qualifications, Education, and Certification Requirements

• Education: Bachelor's degree preferred

• Experience: 1 year of Mortgage lending experience required. Prior mortgage experience in developing external business relationships preferred

• Certifications/Specific Knowledge: Knowledgeable of Mortgage products, systems, terminology, tax requirements, down payment assistance programs, etc. Knowledgeable on agency and investor regulations and guidelines

TRAINING REQUIREMENTS/CLASSES

Required annual compliance training, New Employee Orientation

PHYSICAL DEMANDS

Must be able to effectively access and interpret information on computer screens, documents, reports, and identify customers. This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk.

WORK ENVIRONMENT

This position is located in a private office. The position is located inside an cooled and heated facility with ability to go to a break room or rest room during breaks.

Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered.

TRAVEL

Travel is required in this position