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Community Development Mortgage Loan Officer
Community Development Mortgage Loan OfficerBanner Bank • Sacramento, Pennsylvania, United States, 17968
Community Development Mortgage Loan Officer

Community Development Mortgage Loan Officer

Banner Bank • Sacramento, Pennsylvania, United States, 17968
1 day ago
Job type
  • Full-time
Job description

Community Development Mortgage Loan Officer

More than 135 years ago, we started with core values that never go out of style : listen, learn and help businesses and individuals reach their goals. These core values shape our culture, and we were recently Great Place to Work Certified because of our outstanding workplace culture and employee experience. As well, our financial strength and stability are key reasons Forbes named us one of the Best 100 Banks in America for the ninth consecutive year.

With more than $16 billion in assets and 135 branch locations throughout Washington, Oregon, Idaho, and California, we understand our role in the economy and take that responsibility seriously. In addition to offering a source of capital to personal banking clients and businesses of all sizes, we place a high importance on employee volunteerism and donate millions of dollars each year to community organizations.

This role will encompass hybrid activity combining mortgage production mortgage and community outreach. The position will support the local area mortgage production team in CRA specific market outreach as well as community education opportunities targeted specifically to low to moderate income borrowers and areas. Work in collaboration with industry (realtors and builders) and non-industry (local area employers and non-profits) groups via marketing activities and bank approved Marketing Opportunities.

In this role you'll have the opportunity to :

  • Designs market outreach (Land Trust, Housing Finance Agencies (HFA)) ready programs, education, activities. Manage and develop ongoing community campaigns with realtors, builders, financial planners and other mortgage finance related Centers of Influence (COIs) for homebuyer education opportunities and product training. Focus for market outreach will be identified low to moderate income areas and / or intended to reach 1st Time Homebuyers.
  • Maintains a pipeline of CRA and non-CRA business, including but not limited to AMP Mortgage transactions, state housing along with local area down payment assistance programs while continuing to serve all bank clients and other community members with all Banner Bank mortgage products.
  • Develops a business plan to include the implementation of a series of campaigns for prospects, current clients, past clients and lead lists as available. Identify new opportunities for community campaign engagement.
  • Analyzes reports on pipeline management for upstream reporting on compliance issues with local area lenders to track the results from targeted CRA activity. Reporting will include (but will not be limited to) specific lenders targets low to moderate income borrower and community outreach, production and impact.
  • Identify support needs to include management of vendor lead distribution, independent research of competitive conditions in markets related to price, service and programs (focus on CRA development specifically targeting low to moderate income potential borrowers and communities) and in the creation of ongoing training.
  • Assist in branch support for product questions, cross training programs, CRM and pipeline management as well as on-boarding support for new mortgage lenders with the specific goal of meeting and exceeding market penetration in low to moderate income communities.
  • Responsible for promoting home ownership through community outreach efforts, specifically in the communities around the designated branch location. Demonstrates inclusive marketing efforts to develop new leads, loans and bank relationships. Conduct first time home buyer classes at or in close proximity to the branch, host booths at non-profit community events, etc.
  • Responsible for Achieving lending origination goals in minority / diverse regions. Organize outreach to organizations representing the ethnic makeup of the greater market area the assigned office is serving in order to promote lending capabilities and understand the market needs. Working with the compliance department in similar fashion to benchmark CRA performance goals.

Education & Certifications

  • High School Diploma required
  • Ability to obtain NMLS registration required
  • Experience

  • 6 or more years of mortgage industry experience including basic understanding of programs, terminology, market conditions (including impact with changing economic realities), Loan Origination Software (LOS) and the impact of CRA programs and their requirements
  • Knowledge, Skills and Abilities

  • Ability to develop and manage file quality.
  • Ability to communicate and train employees in client service, sales and operations with product knowledge targeted to low to moderate income communities.
  • Ability to solve client services issues as well as mortgage specific analytical problems as they relate to job duties and the intended low to moderate income communities.
  • Demonstrate basic knowledge of retail product philosophy, policy, procedures, documentation and systems as they relate to mortgage finance.
  • Demonstrate ability to create strong relationships using interpersonal skills and communication.
  • Knowledge of mathematical, problem solving and negotiation skills.
  • Travel

  • Up to 40%
  • Compensation & Benefits

  • Monthly base salary of $3,800 plus commissions
  • Comprehensive employee benefits, including : medical, dental, vision, LTD, STD and life
  • Paid vacation time, sick time and 11 company paid holidays
  • 401k (with up to 4% match)
  • Tuition reimbursement
  • Get more information at : Employee Benefits | Banner Bank
  • Please take time to review Banner Bank's Consent & Privacy notice before applying.

    Banner Bank is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.

    Banner Bank does not accept unsolicited resumes from agencies and / or search firms for any job postings . Resumes submitted to any Banner Bank employee by a third-party agency and / or search firm without a valid written and signed search agreement, will become the sole property of Banner Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.

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