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State Bank · 2 weeks ago

Outside Mortgage Sales Loan Originator

Dublin, OH

Full-time

Hybrid

Entry, Mid Level

2+ years exp

State Bank is seeking an Outside Mortgage Sales Loan Originator to actively participate in their sales and business development program. The role involves developing new mortgage business, maintaining customer relationships, and ensuring compliance with applicable laws and regulations.

BankingCommercial LendingConsumer LendingFinanceFinancial Services

Responsibilities

Responsible for actively participating in the bank's sales and business development program; performing various duties to develop new mortgage business, including but not limited customarily and regularly engaging in sales activities away from the Bank’s offices and any home office; reporting pertinent information to the immediate supervisor and providing required information on sales and service activities; maintaining a current knowledge of applicable laws and regulations

Actively participates in the bank's sales and business development program as follows:

Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be done in conjunction with the Mortgage Division's annual marketing/sales plan; achieves these objectives

Solicits, via in-person, off-site contact whenever possible, new business from both present and prospective customers; maintains ongoing contacts with present customers in order to enhance cross-selling activities; maintains detailed records of meetings with prospective or present customers

Serves as a member of the bank's sales team and works with other members of the sales/service team in striving to increase sales opportunities

Performs a variety of duties to develop new mortgage business including, but not limited to, the following:

Develops relationships with customers, realtors, and community and civic organizations to generate new business

Locates and contacts prospective customers to present the bank's financial services and to ascertain banking needs

Develops financial plans based on type of loan services as required by customers

Spends time engaged in sales activities each week away from the Bank’s offices and away from any home office

Reports pertinent information to the immediate supervisor as requested, or according to an established schedule, i.e., reports weekly sales activities to the Residential Mortgage Manager; compiles information as necessary or as directed; provides sales information on a timely basis in order that this information may be included as part of monthly and year-to-date sales performance reports

Maintains a current knowledge of laws and regulations which impact mortgage banking services

Coordinates departmental tasks with coworkers inside and outside the department in order to ensure an efficient process and the completion of essential tasks needing proper segregation of duties

Responds to inquiries relating to his/her particular area, or to requests from customers, other bank personnel, etc., within given time frames and within established policy

Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the work place

Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc

May attend sales and trade meetings as the bank's representative to recommend new business and to gain information and leads on prospective accounts

Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances

Qualification

Mortgage lending regulationsSales skillsBank mortgage productsInterpersonal relationsPC skillsReal estate lawCredit underwriting guidelinesReading skillsMathematics skillsVisual skillsAuditory skillsWriting skillsFlexible schedule