Mortgage Banker

Mortgage Banker

The Mortgage Banker will be responsible for establishing and maintaining relationships with Renasant Bank Branch Managers, Realtors, and Builders throughout a designated service area for the purpose of generating production of all one to four family residential products (conforming, conventional, FHA, and VA, as well as other products as they become available). This individual will serve as the facilitator of the mortgage loan process and also must maintain productive relationship with mortgage operations staff.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Responsibilities

• Originate all types of 1-4 family residential loans
• Maintain written goals that are created in conjunction with the Mortgage Banking Department
• Coordinate loan production throughout assigned service area
• Maintain prescribed system status report of all loan cases in process
• Report monthly on the calls made to banks, realtors, and builders
• Communicate with the Mortgage Banking department in order to clarify program changes or updates to branch personnel throughout assigned service area
• Counsel and communicate with the prospective borrower for the purpose of determining what loan products would be applicable
• Schedule appointments to take applications at a location (home, branch office, or work location) convenient to the customer, and work with the customer in the completion of an accurate application and acquisition of supporting documentation
• Gather additional information required for the closing of the mortgage which is requested by the Mortgage Banking Department in a timely manner and maintain a status report of all loans in process
• Assist customer with closing contingencies
• Prepare Good Faith Estimate and Truth-In-Lending within 72 hours from date of application on all applications taken
• Provide the Realtor (if applicable) with a weekly written review on the progress of the loan
• Educate and update branch personnel throughout immediate service area on identification of conforming loan requirements and how to answer customer inquiries
• Establish rapport with the local real estate community and update regularly on programs available by calling on realtors, builders, and attorneys that have an existing relationship with Renasant Bank for the solicitation of the origination of mortgage loans and to determine product needs and coordinate these needs with supervisor
• Survey local market areas regularly
• Establish priority accounts (realtors, builders, title companies, etc.) and visit respective offices at least once a week
• Conduct seminars for local realtors and new associates on different aspects of lending; i.e., conventional, FHA/VA, ARM's, CRA)
• Become active in local affiliations relative to mortgage loan production; i.e., Board of Realtors, Home Builders Association
• Perform all duties in compliance with state and federal regulations and internal policies and procedures as is applicable to the responsibilities of the position
• Attend production meetings as designated by management
• Maintain licenses and certifications, if applicable
• Work independently in an outside sales setting which requires reliable transportation
• Perform other related duties as assigned

Qualifications

• High School diploma or equivalent required
• Ability to originate 1-4 family residential mortgage products
• Thorough knowledge of FHLMC/FNMA, FHA, VA, and other general mortgage banking lending procedures and requirements
• Ability to communicate verbally and in writing and to deal cordially with the public
• Ability to organize time effectively
• Ability to learn and comprehend regulatory directives and procedures in a short period of time
• Ability to represent Renasant Bank in a professional manner projecting the image of "Customer Focused Banking"
• Ability to work independently and make decisions following state and federal regulatory guidelines
• Must have a reliable means of transportation to facilitate responsibilities

Physical Demands

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.

Work Environment

The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank's employees, customers, and assets.