Mortgage Banker Market Specialist

Overview

This position aids fair lending and community goals by providing mortgages for culturally diverse organizations. Originates government, conventional, nonconforming, construction, and permanent mortgage products to strategically drive diverse loan production. Leverages mortgage business opportunities through a variety of sales techniques, including outbound calling for sourced leads. Aids diverse lending and business development efforts to drive revenue aligned with the Bank's goals and objectives.

• Mortgage Origination - Interview applicants to obtain necessary information on financial needs and goals, employment, income, credit, assets and liabilities. Utilize information to qualify the applicant for an appropriate mortgage loan product. Counsel clients on alternative mortgage products to match their capacities and goals. Negotiate rate and terms of loans with applicant in an effort to be competitive and profitable to the Bank.
• Loan Support - Submit loan applications with complete borrower information, documentation, and other aspects necessary for processing. Coordinate timely processing and closing of loans with processors, underwriters, appraisers, and closing agents. Respond to questions from branch associates and clients concerning status on loans in process. Handle internal referrals on a limited basis.
• Sales - Represent the Bank in diverse lending and outreach opportunities to generate sales leads. Participate in calling efforts and other sales strategies to leverage potential leads. Identify opportunities to cross-sell Bank products and services when appropriate with existing clients.
• Loan Expertise - Maintain current knowledge of all mortgage loan products including eligibility standards, documentation, and underwriting requirements. Understand the sales and usage of government and conventional loan products, mortgage insurance, and down payment assistance programs.

Bachelor's Degree and 2 years of experience in Mortgage origination or Mortgage telephone sales OR High School Diploma or GED and 6 years of experience in Mortgage origination or Mortgage telephone sales

License or Certification Type:
Must complete federal registration and annual renewal as required by the SAFE Act. Required, Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided. Required Skill(s):
Proven track record in financial product sales. Demonstrate strong relationship management skills. Bilingual (Spanish).

The base pay for this position is $22.64/hr for some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at