A CRA Mortgage Executive is primarily responsible for originating CRA residential mortgage loans to low-to-moderate income and minority customers through either outside sales efforts or a decentralized network of branch locations. Responsibilities will also include submitting applications and facilitating essential communication between parties throughout the process.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Increases mortgage loan volume, primarily focusing on CRA, low-to-moderate, and minority customers, through effective selling
Actively promotes the Bank's CRA, low-to-moderate, and minority lending efforts and generate residential mortgages in targeted areas
Establishes relationships with nonprofit housing groups, state and local housing offices, and community based affordable housing organizations to generate and increase CRA mortgage opportunities within targeted areas
Actively works with state, local and county down payment assistance programs
Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations
Advises customers on the mortgage loans that are appropriate for their individual financial circumstances
Becomes a leader in the community when it comes to mortgages and mortgage knowledge
Builds and deepens relationships with industry-specific centers of influences like real estate agents and contractors
Maximizes the bank's resources to assist in selling and establishing relationships
Cross-sells bank products at each mortgage closing
Complies with all appropriate bank policies and regulatory guidelines
Performs other duties as required
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
High school diploma or GED required. Bachelors (4-year college) degree preferred but not required.
Working knowledge of real estate loan documentation preferred.
Working knowledge of lending regulations preferred.
COMPUTER AND OFFICE EQUIPMENT SKILLS
Microsoft Office suite