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Bell Bank · 3 months ago

Mortgage Community Development Loan Officer

Winter Park, FL, 32789, United States

Full-time

Onsite

Mid Level

3+ years exp

Bell Bank is focused on growing and developing homeownership opportunities for low-to-moderate income individuals and communities of color. The Mortgage Community Development Loan Officer will originate loans, engage with community partners, and support financial empowerment initiatives.

BankingFinanceFinancial Services

Responsibilities

Originate compliant mortgage loans with a focus on, but not limited to, LMI and communities of color: Responsible for knowing and complying with all Federal and investor regulations, requirements, and bank policies

Gather all information necessary for documentation, analysis, disclosure and underwriting loan applications

Advise customers on mortgage loans that are appropriate for their individual financial circumstances

Maintain high standards of client satisfaction and quality, and ensure sales/originator systems and workflows are efficiently controlled

Ensure loans in process are moving through the pipeline by regularly reviewing pipeline, communicating with borrowers and processors on additional items needed, interacting with title companies, realtors, attorneys, etc

Manage client referrals to ensure all new customers are introduced to local branches and other appropriate business lines

Originate a minimum of 3 loans per month or 36 loans per year

Develop and maintain strategic relationships with community partners

Maintain list of key strategic community partners

Conduct financial wellness, homebuyer education workshops, and homeownership seminars with local community and affordable housing partners

Represent Bell at community focused events and meetings

Coordinate and staff Bell Sponsored, community and partner events and activities for the market area (e.g., housing fairs, community event vendor booths, nonprofit events, etc.)

Track and report out on all community development activities (date, event/training, targeted market reached, est. # of attendees, evaluation, notes, etc.)

Attend affordable homeownership programs and services educational seminars, trainings, and workshops

Attend Bell enterprise-wide Community Development trainings

Be accountable to goals set out in the market area Community Development (CD) Business Plan

Track goal progress and report out to leadership

Track industry and production trends and propose adjustments to the CD Business Plan and goals as needed

Track and measure against CRA and/or Fair Lending targets for the market area

Develop strong relationships and communication channels with Bell partners (e.g., Bell Bank, Community Reinvestment Act (CRA), Operations, Compliance, etc.)

Participate in regularly scheduled meetings with Bell partners and provide updates, training, or report outs as appropriate

Communicate local Community Development training and volunteer opportunities to area staff

Recognize, share and celebrate Community Development stories and successes!

Be a Community Development and Diversity, Equity and Inclusion champion

Know by name and face as many partners, customers and employees as possible, calling them by name as often as possible

Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards

Know, understand, and live the company values and bottom line

Perform other duties as assigned

Qualification

Mortgage Loan OriginationCommunity Reinvestment Act (CRA)Affordable Lending ProductsNMLS RegistrationRegulatory ComplianceCustomer Service SkillsSalesService SkillsComputer SkillsBilingualMultilingualCommunication Skills

Required

Thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies

Demonstrated experience with Affordable Lending products

Proven experience in supporting Community Reinvestment Act (CRA) and Fair Lending goals

High School Diploma, Bachelor's degree in business related field, or equivalent experience

Working knowledge of Community Reinvestment Act, FNMA, FHLMC, FHA, VA, local state housing programs, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate, finance laws, regulatory compliance and investor guidelines

Excellent written and oral communication skills and ability to work in a team environment

NMLS registration

Proficient in sales and service skills; including tele-consulting, prospecting, networking and COI relationship management

Strong computer skills and experience utilizing laptop technology

Ability to work independently with limited supervision

Ability to strategically plan to market and develop business contacts

Excellent customer service skills

Ability to travel to and work occasional evenings and/or weekends to participate in or attend community events or meetings

Ability to travel to different branches and to off-site meetings to meet with clients or co-workers