Key skills
CommunicationTime Management
About this role
Role Overview
- 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
Requirements
- High school diploma or equivalence
- 3-5 plus years mortgage and banking experience
- Any combination of education and experience which provides an equivalent background
- Effective business communication skills, both verbal & written
- Established time management and organizational skills
- Ability to work independently, with strong initiative and reliability
- Thorough knowledge of FHA, VA, CONV guidelines and real estate market in local area
- Maintained current registration with the National Mortgage Licensing System Registry
- Ability to obtain the required S.A.F.E registration at time of employment
- Ability to travel and work outside of the office regularly
Benefits
- Paid Time Off
- 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
- Various associate banking benefits