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Community Mortgage Banker
Location
Missouri
Posted
3 days ago
Salary
$44.8K - $79.0K / year
Seniority
Senior
Job Description
Community Mortgage Banker
UMB Bank
• Represent UMB at community events and business development functions • Promote financial awareness and identify community needs to align with product and services • Establish and maintain referral relationships with community based organizations, internal partners, real estate agents and customers • Recommend product or services based on feedback from the community to enhance current credit offerings • Counsel and pre-qualify potential home buyers on credit and affordability • Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount and mortgage insurance to applicants • Provide necessary information and inform applicants of status with clear communication • Focus efforts to expand home ownership for first time buyers • Provide financial education trainings to serve the needs of the community • Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs • Structure and originate first mortgage loans and gather supporting documentation to meet federal, state and company regulations and policy and procedures • Promote bank wide products and programs that focus on the communities UMB serves
Job Requirements
- High school diploma or equivalence
- 3-5 plus years mortgage and banking experience
- Any combination of education and experience which provides an equivalent background
- Effective business communication skills, both verbal & written
- Established time management and organizational skills
- Ability to work independently, with strong initiative and reliability
- Thorough knowledge of FHA, VA, CONV guidelines and real estate market in local area
- Maintained current registration with the National Mortgage Licensing System Registry
- Ability to obtain the required S.A.F.E registration at time of employment
- Ability to travel and work outside of the office regularly
Benefits
- Paid Time Off
- 401(k) matching program
- Annual incentive pay
- Paid holidays
- A comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage
- Health savings, flexible spending, and dependent care accounts
- Adoption assistance
- An employee assistance program
- Fitness reimbursement
- Tuition reimbursement
- An associate wellbeing program
- An associate emergency fund
- Various associate banking benefits
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