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Banner Bank · 1 day ago

Community Development Mortgage Loan Officer

Sacramento, CA

Full-time

Hybrid

Senior Level

6+ years exp

Banner Bank is a well-established financial institution recognized for its strong workplace culture and commitment to community service. The Community Development Mortgage Loan Officer will focus on mortgage production and community outreach, primarily targeting low to moderate income borrowers and areas, while collaborating with various industry and non-industry groups to promote home ownership and provide educational opportunities.

BankingFinanceFinancial Services

Culture & Values

Responsibilities

Designs market outreach (Land Trust, Housing Finance Agencies (HFA)) ready programs, education, activities

Manage and develop ongoing community campaigns with realtors, builders, financial planners and other mortgage finance related Centers of Influence (COIs) for homebuyer education opportunities and product training

Focus for market outreach will be identified low to moderate income areas and/or intended to reach 1st Time Homebuyers

Maintains a pipeline of CRA and non-CRA business, including but not limited to AMP Mortgage transactions, state housing along with local area down payment assistance programs while continuing to serve all bank clients and other community members with all Banner Bank mortgage products

Develops a business plan to include the implementation of a series of campaigns for prospects, current clients, past clients and lead lists as available

Identify new opportunities for community campaign engagement

Analyzes reports on pipeline management for upstream reporting on compliance issues with local area lenders to track the results from targeted CRA activity

Reporting will include (but will not be limited to) specific lenders targets low to moderate income borrower and community outreach, production and impact

Identify support needs to include management of vendor lead distribution, independent research of competitive conditions in markets related to price, service and programs (focus on CRA development specifically targeting low to moderate income potential borrowers and communities) and in the creation of ongoing training

Assist in branch support for product questions, cross training programs, CRM and pipeline management as well as on-boarding support for new mortgage lenders with the specific goal of meeting and exceeding market penetration in low to moderate income communities

Responsible for promoting home ownership through community outreach efforts, specifically in the communities around the designated branch location

Demonstrates inclusive marketing efforts to develop new leads, loans and bank relationships

Conduct first time home buyer classes at or in close proximity to the branch, host booths at non-profit community events, etc

Responsible for Achieving lending origination goals in minority/diverse regions

Organize outreach to organizations representing the ethnic makeup of the greater market area the assigned office is serving in order to promote lending capabilities and understand the market needs

Working with the compliance department in similar fashion to benchmark CRA performance goals

Qualification

Mortgage industry experienceLoan Origination Software (LOS)NMLS registrationCommunity outreachInterpersonal skillsProblem solvingCommunication skillsNegotiation skills

Required

High School Diploma required

Ability to obtain NMLS registration required

6 or more years of mortgage industry experience including basic understanding of programs, terminology, market conditions (including impact with changing economic realities), Loan Origination Software (LOS) and the impact of CRA programs and their requirements

Ability to develop and manage file quality

Ability to communicate and train employees in client service, sales and operations with product knowledge targeted to low to moderate income communities

Ability to solve client services issues as well as mortgage specific analytical problems as they relate to job duties and the intended low to moderate income communities

Demonstrate basic knowledge of retail product philosophy, policy, procedures, documentation and systems as they relate to mortgage finance

Demonstrate ability to create strong relationships using interpersonal skills and communication

Knowledge of mathematical, problem solving and negotiation skills