Mortgage Community Banker -Affordable Housing Specialist

Affordable Housing Specialist

The Affordable Housing Specialist will be responsible for sourcing and originating residential mortgage loans within the bank's footprint. The AHS will establish relationships with community partners such as realtors, builders, non-profit agencies, and other centers of influence to generate referral business. The primary responsibility of the AHS will be to assist low-to-moderate customers obtain the best mortgage product to help meet their individual financial needs. The AHS will also participate in CRA eligible activities that educate the community on relevant financial matters.

Job Duties and Responsibilities

• CRA Loan Production - Must have a thorough understanding of all loan products to include Conventional, FHA, VA and Rural Housing. Must also have recent experience with various down payment assistance programs including but not limited to Federal Home Loan Bank of Atlanta and state housing finance authorities. Must be able to structure loan transactions utilizing multiple funding sources to maximize opportunities for low-to-moderate income buyers in accordance with the bank's policies and procedures. Must also be able to effectively articulate each step of the mortgage process to first time and repeat buyers.
• Market Research - Utilize company marketing tools to create marketing materials to generate leads. Utilize external tools such as Realtor.com, Zillow and FFIEC to identify listed properties located within low-to-moderate income census tracts, as designated by HUD. Contact real estate agents and introduce the bank's affordable housing products to generate customer referrals. Provide weekly reports to management and/or corporate compliance on progress of marketing strategies, efforts, gaps and successes.
• Create and Maintain Partnerships - Establish and deepen relationships with realtors, non-profit organizations, state and local housing entities, and community-based organizations to increase CRA mortgage opportunities within targeted areas. Must have the ability to build rapport and confidence quickly. Must have the ability to write and present reports to document activities. Attend weekly sales meetings, Bi-weekly meetings with the Affordable Housing Specialist team and participate in monthly coaching session with Affordable Housing Area Sales Leader.
• Financial Education Workshops - Become a community resource by conducting financial literacy and homebuyer education workshops with non-profits, real estate agents, and other community partners. Proven communication, analytical and project management skills are required. Strong computer knowledge of Microsoft Word, Excel and PowerPoint is required.
• Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion.
• Performs other related duties as required.

The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Synovus is an Equal Opportunity Employer committed to fostering an inclusive work environment.

Minimum Education:

• High school diploma or equivalent Math and Business

Minimum Experience:

• Two years Experience as a mortgage loan originator/officer with a strong emphasis in Affordable Housing products. Experience conducting informational workshops in person and virtually.

Certifications:

• Must be able to transfer NMLS credentials within 30 days of hire.

Required Knowledge, Skills, & Abilities:

• Experience in utilizing local, county, state and federal down payment assistance funds to include: FHLB of Atlanta, Housing Finance Agency Bond programs, etc. Experience in utilizing affordable housing programs as well as FHA, USDA, VA, Freddie Mac and Fannie Mae loan products.

Preferred Knowledge, Skills, & Abilities:

• Bachelor's Degree in Business, Finance, Economics or related field. Recent experience as a Loan Originator/Officer with a strong emphasis in affordable housing lending. Must have NMLS credentials. Must have strong written, verbal skills computer skills.