Job Description

Job description:

The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.

• Develop sales leads independently and by cooperation with the Financial Center Managers or Business Development Officers to attain new Residential Lending business relationships and product sales

• Manage a book of business for residential lending customers including but not limited to: a pipeline of loans, answering customer inquiries, and developing relationships with Realtors and other COIs

• Assist borrowers in completing their applications for financing, gathering and entering complete information as needed.

• Analyze borrower qualifications to determine a prequalified loan amount while working with the borrower to identify the appropriate loan program and pricing.

• Deliver "best in class" customer service by promptly returning phone calls, answering questions, and providing education to prospective borrowers on loan product types.

• Abide by all state, federal, and local laws, including those regarding fair lending and nondiscrimination in the extension of mortgage services.

• Develop and foster internal and external client referral relationships to assist in generating an ever increasing pipeline of loan applications.

• Meet and exceed published individual and department goals for sales activity, productivity, and processing times.

• Become the client's "trusted advisor" by demonstrating knowledge of the lending function, bank policy, and industry underwriting criteria.

• Participate as a valued Team Member, representing the bank with enthusiasm and professionalism at all times.

• Identify borrower cross-selling opportunities, delivering "warm transfers" to internal partners to support bank cross-sell goals.

Compliance

• Comply with all applicable regulations and Bank policies regarding employment and employment law.

• Participate in annual compliance and other job-related training.

• Comply with applicable bank regulations, Bank policies and procedures.

• Comply with Bank's internal privacy and ethics standards

Relationships and Contacts

Internal: Reports to Residential Lending Sales Manager, frequent interaction with Operations staff, department leaders, and back office personnel.

External: Frequent interaction with borrowers, depositors, referral sources, realtors, and vendors.

Education and Experience

• High School diploma or GED required; college degree preferred.

• Minimum of two years' previous experience in a sales oriented environment, with proven track record of success, required; network of established referral sources preferred.

Skills and Competencies

• Must be compliant with the SAFE Act and registered with the Nationwide Mortgage Licensing System (NMLS).

• Strong working knowledge of underwriting guidelines for each agency, as well as bank overlays for portfolio business.

• Excellent written and oral communication skills.

• Ability to manage time extraordinarily well.

• Excellent presentation and public speaking skills.

• Familiarity with Microsoft Office

Penn community Bank is an equal opportunity employer.

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