Senior Mortgage Loan Officer - Enterprise

SENIOR MORTGAGE LOAN OFFICER - ENTERPRISE WHAT IS THE OPPORTUNITY?

This position is responsible for referral-based sales of first mortgage and concurrent second loan products to existing and potential private banking and high net worth clients. By partnering with CNB's Relationship Managers, the position will support business development activities of line units and develop sales strategies to attract, retain and expand CNB client relationships through the sale of mortgage loan products and services.

Conduct client/prospect needs analysis and develop proposed solutions/sales presentations to meet their needs. Maintain current knowledge of all first mortgage and concurrent second loan products and services offered.

• Services the mortgage needs of Private Banking, Wealth Management and Personal and Business Banking clients whose lending needs can result in moderate to complex transactions. This individual may accompany a senior lender on business development calls and participate as a member of a lending team. Loans are generally super-jumbo in size. The position focuses on the following areas: credit structuring and analysis, assisting Relationship Managers in cross- selling first mortgages and/or establishing new relationships.
  
  Assist team leaders in training programs as needed.

• Uses proactive, consultative sales skills and strategies to identify client needs, quantify service / product benefits and present recommendations to targeted clients and prospects as assigned.

• Develops and negotiates mortgage loan sales plans in conjunction with Relationship Managers, Regional Managers, Banking Office Managers and Line Officers to support existing clients and develop new CNB relationships. Coordinates client/prospect calling activities with Relationship Managers and serves as primary technical expert for all mortgage loan products, programs and pricing.

• Fosters ongoing relationships within assigned territory by providing product/service information, attending officer meetings, conducting training sessions and supporting the business unit's effort to attract, retain and expand client relationships.

• May identify business opportunities and solicit referrals of other Bank products or services from existing clients, referral sources and other professionals in the industry.

• Negotiates transactions; prices loan products within targeted rate of return; coordinates the documentation and closing of loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgment in recommending loans for approval.

• May coordinate the cross-selling of other product and/or services (i.e., cash management, foreign exchange, investment and trust, etc.). May interface with other Bank departments as necessary to define responsibilities and coordinate objectives for all product areas.

• Obtains and completes mortgage loan application packages, including supporting documentation required to process loan requests; reviews information to ensure that files submitted meet regulatory agency and CNB policies; forwards application packages to Residential Lending within specified times in order to meet regulatory requirements for initial disclosures and timely processing as required under Regulation B and RESPA.

• Contacts borrowers directly for additional information related to loan requests, summarizes information and exercises sound credit and risk judgment in recommending transactions for approval.

• Maintains a solid understanding of the Bank's credit products, programs policies and procedures.

• Participates in the development of marketing strategies and sales objectives that are consistent with overall company objectives. Maintains an awareness of consumer market conditions and provides current information on industry trends and competitive practices that may be used in the development and/or delivery of mortgage loan products.

• Effectively manages a pipeline of loans on a daily basis.

• Represents CNB by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.

• Complies fully with…