Mortgage Banker - Retail

• 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

• 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. Bachelor's degree preferred
• 3+ years lending experience required

Bachelor's degree

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