Mortgage Banker

Mortgage Banker Qualities of a successful candidate include: Must have detailed knowledge of real estate lending, banking rules and regulations and bank products offered.
Professional appearance and attitude are a must.
Must have knowledge of credit analysis, credit policy/procedures, real estate (business/personal) lending, problem loan administration, and financial budgeting and planning.
Computer knowledge and the ability to learn various software programs is a must.
Attention to detail while composing, typing, and proofing loan documents, establishing priorities and meeting deadlines is required.
Must be able to multi-task and work under stress and pressure.
Must be dependable, trustworthy and maintain confidentiality.
Must be available and willing to travel to offsite locations when the employer deems it necessary to meet business needs.
This person must be able to communicate effectively, get along with co-workers and deal with colleagues effectively and professionally.
This person is required to represent and promote a positive image of the Bank in the community through involvement and or participation in the community, civic, and charitable organizations, and agencies.
Responsibilities of this position include (but not limited to): Develops and implements mortgage lending objectives, policies, and practices.
Evaluates the loan portfolio and analyzes developing trends.
Reviews approved loans and delinquency reports to ensure the mortgage loan is being serviced efficiently and that policies and practices are being followed.
Ensures the proper mix of loan types to maximize yield, maintain quality control, and minimize losses.
Maintains records, files, and documentation of transactions related to the purchase and sale of loans.
Ensures proper inspection of properties under construction and evaluates progress as needed.
Develops liaison with real estate agents, mortgage brokers, builders, etc.
to solicit new business or better service existing businesses.
Maintains contact with other lending institutions to remain informed of trends in the field.
Has responsibility for managing the secondary market operations, including both the buying and selling of mortgages.
Originates new contacts in the secondary market, including new buyers and sellers.
Manages the loan portfolio to optimize profits and minimize losses for the company.
Keeps informed of short and long term regional and national market conditions, lending trends, tax implications, and other factors influencing profitable performance.
Ensures that all secondary market operations are carried out in compliance with applicable regulations.
We offer a competitive benefits package that includes Medical, Dental and Vision; FSA or Dependent Care; Supplemental Accident, Hospital, or Critical Illness Plans; Employer paid Life Insurance, STD, and LTD; Additional Voluntary Life Insurance Options.
Vacation, Sick and Volunteer leave; 401K and Profit Sharing.
Plains Commerce Bank is an Affirmative Action/Equal Opportunity Employer committed to providing equal employment opportunity without regard to an individual’s race, religion, color, gender, national origin, ancestry, age, sexual orientation, disability, or veteran status.