Mortgage Originator - Mitchell or Madison Bankwest Locations

Job Description

Job Description

Scope of Job :

The purpose of this position is to work as a member of the BankWest sales team in building and solidifying customer relationships with the bank. To accomplish this, the incumbent will serve the personal financial needs of new and existing customers by providing all types of residential mortgage products and by making referrals to insurance, investments, trust services and other internal banking departments.

Primary Duties :

Originate loans by thoroughly understanding residential real estate loan products and programs. Working with prospect, perform credit analysis based on sound lending practice and determine the right product to meet the customer need. Prepare mortgage loan applications by interviewing applicants and performing follow up to obtain information needed to complete the application process. Properly develop required disclosures. Prepare file documentation and disclosures for timely submission to loan processing. Timely deny customers whose applications do not presently qualify for a loan.

Responsible for meeting annual productivity goal. Use customer service and sales ability, influencing qualifying customer to choose BankWest. Clearly communicate your recommendations, submit initial income analysis used in prequalification and any additional information which will assist in underwriting / final approval of the loan request. Inform customer of possible additional documentation requests during the loan process and update timeline for loan consummation. Respond to general inquiries regarding loan requirements and underwriting guidelines. Stay in contact with Realtors when applicable. Attend closing and / or congratulate customer on loan closing.

Enhance customer relationships by providing ongoing assistance after loans are closed. Assist customers with calls and requests. If loans are serviced by BankWest, monitor loans for which you are the servicing officer for customer payment performance. If you become aware of any risk of loss on a BankWest loan, identify weakness to bank management.

Use the BankWest Customer Relationship Management (CRM) program to develop financial relationships. Establish loan prospects through developing internal referral networks. Actively cross-sell and refer bank, trust, brokerage, and insurance to existing and prospective new customers. Attend sales meetings as requested / scheduled. Complete documentation for referrals made and received through Connections.

Develop and maintain external referral relationships to develop a prospective customer list. Through ongoing sales and marketing efforts, work with Realtors, builders, bankers, and other networking sources that may help enhance the list of prospects for 1-4 family residential mortgage loans.

Secondary Duties :

Work as a team with departmental counterparts on planning and implementing assigned projects and products.

Participate on various committees and project teams as deemed appropriate by management.

Attend, actively participate in organization, job specific training offered, and Quality Service programs.

Adhere to all applicable Policies and Procedures of BankWest organization. Community involvement is strongly encouraged.

Other duties as assigned.

Requirements

Education :

An Associate's degree in a related field.

Applicable experience and / or related certifications may be considered in lieu of degree.

Experience :

2 years' experience in related field.

Experience in sales and customer service.

Employment is contingent upon meeting all NMLS requirements for licensing on an ongoing basis.

Knowledge and Special Skills :

Knowledge of residential real estate lending and / or industry guidelines.

Ability to work dependently and / or independently, under pressure, meet deadlines, and adjust work schedules as needed to complete job responsibilities.

Ability to organize and handle multiple responsibilities while delivering quality external and / or internal Customer Service.

Strong interpersonal skills to ensure effective communication with external and / or internal customers.

Knowledge or ability to learn regulatory requirements pertinent to performance of specified duties in job description.

Knowledge of banking terminology and procedures.

Ability to skillfully use a variety of application software, learns computer programs, and comprehends the program output.

Adhere to Federal Privacy Standards in addition to following BankWest requirements for electronic communication and Social Engineering standards.

BankWest is a "Sales Organization" and all employees are expected to participate directly or indirectly with increasing BankWest's presence in their markets as appropriate.