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Commerce Bank Logo Commerce Bank · Banking

Mortgage Banker - Retail

United States, Houston Employment contract 22890.00 - 38850.00 USD / Year · Job Posted June 03, 2026
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Job Description

The main purpose of this job is to originate home loans. The primary focus will be to drive new sales within our available lending territory. Growth will likely include managing current client base; as well as, a plan of action to increase market share attracting new clients.

Job Responsibility

  • Originate home loans
  • Drive new sales within our available lending territory
  • Manage current client base
  • Increase market share attracting new clients
  • Network both with internal and external referral partners to build book of business (ie – realtors, builders, etc.)
  • Visit Commerce branches within assigned geography on a weekly basis to meet with Commercial Bankers and customers to discuss mortgage products
  • Manage production pipeline and documentation collection while coordinating with fulfillment team to ensure an efficient flow
  • Communicate between borrowers and referral partners
  • Analyze applicants' financial status, creditworthiness, and property evaluation to determine eligibility and feasibility of granting home loans
  • Provide financing options and customize solutions by conducting a deep dive analysis of the application, credit profile, financials, etc. and ensuring options offered fit within the guidelines of the lending/sellers guide(s) by product type (FHA/VA, Conv, HELOC)
  • Follow the ASK LISTEN SOLVE process of discovery and proposing options
  • Pre-underwrite file to obtain and analyze documentation, in a timely fashion, regarding employment, credit, income, assets and collateral
  • Verify documentation meets CMC/Investor/Agency Standards prior to submission to our operations partners
  • Adhere to CBI Code of ethics, Do not Call Regulations, Privacy and Opt-Out procedures, HMDA data collection, Suspicious Activity procedures, Adverse Action requirements, Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Commerce's pricing policies, and all Fair Lending policies and procedures
  • Manage and deliver best in class client care to an active loan pipeline of up to 20 loans in a pre-funded status
  • Manage and deliver best in class client care to an active lead pipeline of up to 150 clients utilizing lead management data base and all of its capabilities
  • Timely communicate updates and requests to clients in accordance with current Service Level Agreements (SLA's) and compliance industry regulations
  • Maintain continual, consistent, and open communication with all appropriate parties to the transaction in accordance with current Service Level Agreements (SLAs) to ensure a timely closing that exceeds the client's expectations
  • Consistently document lead management system and loan origination system with client communications/expectations, timelines, next steps, action items, owners of the actions, loan condition needs
  • When called upon, provide customer / conversion feedback to leadership team, marketing team, secondary marketing team and technology team
  • Perform other duties as assigned

Requirements

  • Intermediate knowledge of mortgage products
  • Strong credit risk analysis and loan origination skills
  • Ability to focus on customer's needs, both internal and external, to develop and sustain productive customer relationships ensuring the opportunity to increase products per household
  • Develop and maintain collaborative relationships to facilitate and achieve corporate results
  • Ability to achieve an exceptional level of technical and professional skills/knowledge in job-related areas
  • keeping abreast of current developments and trends in area of expertise
  • Ability to take prompt and proactive actions to accomplish objectives
  • Ability to maintain a valid driver's license and meet Commerce Bank's driving record criteria
  • ongoing employment may be contingent upon meeting all driving requirements
  • Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
  • Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
  • Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
  • Basic level of proficiency with Encompass, Blend, Microsoft Office Suite, Optimal Blue and Total Expert are preferred
  • Associates degree in business management/finance or equivalent combination of education and experience required
  • 3+ years lending experience required

Nice to have

  • Basic level of proficiency with Encompass, Blend, Microsoft Office Suite, Optimal Blue and Total Expert are preferred
  • Bachelor's degree preferred

What we offer

  • employer sponsored health insurance
  • dental insurance
  • vision insurance
  • 401(k)
  • life insurance
  • paid vacation
  • paid personal time
  • career development
  • education assistance
  • voluntary supplemental benefits
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