Job description
Position Overview- Recommends loan solutions in accordance with lending guidelines and clients' requirements.
- Manages a portfolio of customer relationships. Seeks prospective opportunities to retain and/or develop new clients. Responsible for sales calls.
- Develops and prepares loan solutions and cross sell products and services; reviews documentation to ensure compliance. Manages customer pipeline for efficiency.
- Collaborates with internal and external stakeholders to complete mortgage transactions.
- Collects and analyzes customer financial information for multifaceted and/or complex borrowers.
- Assesses and effectively manages all of the risks associated with their business objectives and activities to ensure activities are in alignment with the bank's and unit's risk appetite and risk management framework.
- Knowledge of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions, and ability to leverage that information in creating customized customer solutions.
- Implements the strategies and techniques used to ensure that customers have a positive experience with the organization and its products and services at every touch point.
- Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.
- Ability to build and use effective working relationships within own department and across department, functional, and geographic reporting lines.
- Knowledge of the skills, methods and technologies used to process new loan applications; ability to perform loan origination activities while adhering to established policies and procedures.
- Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material.
- Knowledge of the schedule creation process; ability to develop and maintain a workable schedule to accomplish the overall goals of day-to-day operations.
- Knowledge of and the ability to sell an organization's products and services.
- Knowledge of and ability to utilize commercial and residential mortgage instruments available in the branch and apply them to specific situations.
- Applies knowledge of banking products and services to meet customer needs and enable them to achieve their financial goals. Identifies prospecting approaches to identify potential customers and create opportunities to sell financial solutions and ideas to customers.
