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    Community Mortgage Banker - Denver, United States - UMB Bank

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    Description


    The
    Community Mortgage Banker is responsible for helping and serving the credit needs of low to moderate income families and individuals within the UMB footprint.

    The incumbent will report to the Director of Community Development and will also work closely with the National Mortgage Sales Manager.

    This role will promote financial awareness, home ownership and provide financial education to our communities. The successful candidate will also serve as the CRA mortgage product expert within the region.

    How you will spend your time:

    • Represent UMB at community events and business development functions
    • Promote financial awareness and identify community needs to align with product and services
    • Establish and maintain referral relationships with community based organizations, internal partners, real estate agents and customers
    • Recommend product or services based on feedback from the community to enhance current credit offerings
    • Counsel and pre-qualify potential home buyers on credit and affordability
    • Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount and mortgage insurance to applicants. Provide necessary information and inform applicants of status with clear communication.
    • Focus efforts to expand home ownership for first time buyers
    • Provide financial education trainings to serve the needs of the community
    • Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs
    • Structure and originate first mortgage loans and gather supporting documentation to meet federal, state and company regulations and policy and procedures.
    • Promote bank wide products and programs that focus on the communities UMB serves

    We're excited to talk with you if:

    • You have a high school diploma or equivalence
    • You have mortgage sales experience
    • You have relevant banking experience
    • Or if you have any combination of education and experience which provides an equivalent background
    • You are effective with business communication skills, both verbal & written
    • You have established time management and organizational skills
    • You are able to work independently, with strong initiative and reliability
    • You have a thorough knowledge of FHA, VA, CONV, guidelines and real estate market in local area
    • You have maintained current registration with the National Mortgage Licensing System Registry.
    • You are able to obtain the required S.A.F.E registration at time of employment
    • You have the ability to travel and work outside of the office regularly

    Bonus points if:

    • You have a bachelor's degree
    • You have 3-5 plus years mortgage and banking experience
    • You have a well established referral base and source network
    • You have experience with Encompass LOS
    • You have networking skills
    • You have achievement orientation skills
    • You have customer orientation skills
    • You have emotional presence skills
    • You have the ability to impact & influence
    • You have the ability to internal partnering
    • You have organizational awareness
    • You have strategic orientation skills
    • You are a team player

    Compensation Range:

    Minimum:
    $44, Maximum: $103,820.00


    _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors.

    In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._

    UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; 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; and various associate banking benefits.

    Benefit offerings and eligibility requirements vary.

    Are you ready to be part of something more?
    You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

    _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law.

    If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ .com_ _to let us know the nature of your request.

    _
    _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates \_Notice\_for\_California\_Candidates\_Original\) _to understand how we collect and use your personal information when you apply for employment with UMB._

    _Who we are_
    We are more than a company.

    We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.

    Learn more about UMB's vision \_Tuce\_Book\_Original\)
    Check out the road to a career at UMB


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