Community Mortgage Banker

This is a fully remote position, open to applicants in Missouri.

📋 Description

• Act as a representative for UMB at various community events and business development activities.

• Foster financial literacy and pinpoint community needs to align with offered products and services.

• Build and sustain referral partnerships with community organizations, internal stakeholders, real estate agents, and clients.

• Suggest products or services based on community feedback to improve existing credit offerings.

• Advise and pre-qualify prospective home buyers regarding credit and affordability options.

• Conduct pre-qualification/pre-approval assessments, clarifying rates, terms, payment amounts, and mortgage insurance to applicants.

• Deliver essential information and keep applicants informed of their status through clear communication.

• Direct efforts towards increasing home ownership for first-time buyers.

• Offer financial education training tailored to meet community needs.

• Engage with housing agencies and governmental bodies focused on community lending to remain relevant in addressing community requirements.

• Structure and originate first mortgage loans while gathering supporting documentation to comply with federal, state, and company regulations and procedures.

• Advocate for bank-wide products and programs aimed at benefiting the communities served by UMB.

⛳️ Requirements

• High school diploma or equivalent qualification.

• 3-5 years of experience in mortgage and banking sectors.

• Any combination of education and experience that provides a comparable background.

• Proficient business communication skills, both verbal and written.

• Strong time management and organizational capabilities.

• Ability to work independently, demonstrating strong initiative and dependability.

• In-depth knowledge of FHA, VA, CONV guidelines, and the local real estate market.

• Current registration with the National Mortgage Licensing System Registry is required.

• Capability to obtain the necessary S.A.F.E registration upon employment.

• Willingness to travel and work outside the office on a regular basis.

🏝️ Benefits

• Paid Time Off.

• 401(k) matching program.

• Annual incentive pay.

• Paid holidays.

• A comprehensive company-sponsored benefits package that includes medical, dental, vision, and other insurance options.

• 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 banking benefits for associates.