Community Lending Advisor

Originate first mortgage loans with a concentration on LMI and CRA type transactions to promote the Bank's Fair Lending activities. Activity promotes the financial institution and lending services to the real estate communities and help identify and serve the community's financial needs through home loan counseling, real estate agent seminars and sales meeting, and by participating in and promoting the institutions community actives

Solicit first mortgage loans with special focus on FTHB . Inform prospective loan clients of the institutions underwriting guidelines and applicable government regulations.
• Assists loan applicant in completing application and necessary disclosures.
• Completes loan application and pre-processing functions in a timely manner - prepares for review initial disclosure including loan estimates.
• Enters data from new loan applications and other documents into the Bank's operating system.
• Orders credit reports and other items as needed.
• Personally, answers incoming calls and schedules appointments
• Provides follow-up on a consistent basis with borrowers, and agents to complete processing.
• Communicates complex approvals or denials to the borrower-agents including real estate agents / builders.
• Responds to inquiries from borrowers regarding status of loans in process.
• Completes necessary information such as log entries and business sourcing.
• Distributes Bank approved marketing materials and perform various activities focused on generating both FTHB and LMI loans
• Actively participates in local FTHB, LMI and CRA development activities as directed by the Bank.
• Ensures regulatory compliance.
• Comply with all provisions of the Bank Secrecy Act.
• Performs other duties as assigned.

• Two to four years related mortgage or similar sales experience or equivalent.
• Thorough working knowledge of real estate documentation, policies, compliance, and procedures.
• Good working relationship with homeownership groups, councilors and others involved with local communities.
• High level of proficiency with mortgage loan processing and underwriting systems.
• Commitment to excellence and high standards
• Excellent written and oral communication skills
• Strong organizational, problem-solving, and analytical skills
• Ability to manage priorities and workflow.
• Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm.
• Acute attention to detail
• PC proficiency.
• Excellent customer service skills
• Proven ability to handle multiple projects and meet deadlines.
• Strong interpersonal skills.
• Demonstrated ability to calculate figures and amounts such as discounts, interest, commissions, and percentages.
• Ability to effectively present information and respond to questions.
• Ability to effectively communicate with people at all levels and from various backgrounds.