Community Mortgage Banker

Min

USD $75,000.00/Yr.

Max

USD $85,000.00/Yr.

Job Summary

The Community Mortgage Banker is an experienced lending position that is responsible for sourcing and originating residential mortgage loans for WaFd Bank, particularly those that qualify as Community Reinvestment Act (CRA) eligible residential loans. This lender will work with community-based referral sources such as real estate agents, brokers, builders, affordable housing providers, and non-profit community organizations. This role plays an important role in helping the Bank support the homebuying credit needs of its communities while fostering working relationships with organizations serving low and moderate income (LMI) and minority borrowers.The Community Mortgage Banker reflects the corporate values and ethics of WaFd Bank and exhibits leadership in the following areas: sales effectiveness and a focus on loan production; representing WaFd Bank in the broader community; providing a high-quality customer experience from initial meeting through closing; building and maintaining ties in support of WaFd Bank's community development initiatives, fostering productive relationships with new and existing clients and other referral sources; registering and maintaining active status with the Nationwide Mortgage Licensing System and Registry (NMLSR); and originating mortgage loans within the assigned geographic area. This position reports to the Retail Division Manager.

• Prospects for mortgage loan clients, particularly among LMI consumers, by building community-based partnerships.

• Participates in select down payment programs for low-to-moderate income homebuyers.

• Attends a minimum of 2-3 homebuyer and financial education events or meetings per month to raise consumer and community awareness of WaFd Bank loan products.

• Develops and maintains community networks leading to small business and community development lending/investment opportunities for the Bank.

• Encourages bank participation and support of charitable and non-profit service opportunities and helps ensure banker participation is documented.

• Originates consumer residential mortgage products, particularly those qualified as CRA loan programs designed to support LMI borrowers.

• Maintains the integrity of WaFd Bank's interests in all lending activities.

• Originates loans by accurately completing loan applications, interviewing prospective clients and discussing loan options to best meet clients' needs.

• Applies proper pricing based on current Bank programs and rate sheets.

• Collects, documents and analyzes financial and related data to build a complete and thorough application for Underwriting to decision.

• Proactively communicates loan status and progress to the client.

• Complies with laws, rules and regulations, avoiding any real or perceived conflicts of interest.

• Other duties as assigned.

• Build cross referral business with Retail, Commercial and Community Banking groups.

• Develops and maintains close working relationship with assigned branches to develop and build deposit relationships with new mortgage clients.

• Recognizes and refers commercial banking opportunities to the appropriate bankers.

Qualifications

• Minimum two years college or three years banking or mortgage lending experience.

• Effective business development/client acquisition skills, strong verbal and written communication skills, and a high level of accuracy and attention to detail.

• Must also be able to work effectively with the public, in person, by phone, text, email and video conferencing, in a personable, professional manner, and handle pressure in a fast-paced, changing work environment.

• Individual must be a self starter, experienced with working in a team and individual sales environment, and have a strong track record in achieving sales results.

• Must be self-motivated and production-oriented.

• Strong written and verbal communication skills

• Computer proficiency with Encompass loan origination platform and Microsoft Office 365 applications (e.g. Teams, Word, Excel, and Outlook) required.

Benefits

At WaFd Bank you get all of these great benefits!

• Paid time off for vacation, sick days and holidays

• Health insurance

• Stock options

• Bonus programs

• Generous 7% 401(k) employer matching*

• Paid Parental Leave

• Life and AD&D insurance

• Long-term disability

• Tuition Reimbursement

• Employee assistance programs

• Pre-tax health and dependent-care spending plans

WaFd Bank Benefits Summary

• Click here for more information

EEO Statement

We are committed to Equal Employment Opportunity and Affirmative Action. We recruit, hire, train and promote persons in all job titles and ensure that all other personnel actions are administered without regard to race, color, religion, sex, sexual orientation, gender identity, military and/or veteran status, or disability in accordance with Executive Order 11246, Section 503 of the Rehabilitation Act of 1973, as amended, and the Vietnam Era Veterans Readjustment Assistance Act of 1974, which require affirmative action to ensure equal opportunity in all aspects of employment. WaFd Bank does not discriminate on the basis of national origin or citizenship status as provided under the Immigration Reform and Control Act of 1986, or any other Federal or State legally-protected classes. WaFd Bank is committed to providing reasonable accommodations to employees and applicants with disabilities to the full extent required by the Americans with Disabilities Act (ADA). If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at 800.324.9375

EEO is The Law - click here for more information

Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled

EEO Policy Statement

• WaFd Bank

Know Your Rights: Workplace Discrimination is Illegal - click here for more information

Pay Transparency Nondiscrimination Provision - click here for more information

CCPA Notice at Collection for CA Employees and Applicants

Requisition Post Information* : Posted Date

6/3/2024