Mortgage Banker
WaFd Bank
- Poulsbo, WA
- $60,000 per year
- Permanent
- Full-time
- Creates a client-focused and employee-friendly environment that fosters communication and teamwork by providing exemplary service and experience, including managing direct reports to maintain efficient, high-quality performance.
- Originates consumer residential mortgage Loans and maintains the integrity of Wafd Bank’s interests in all lending activities.
- Originates loans by completing loan applications interviews with prospective clients and discussing loan options to best meet clients’ needs.
- Collects, documents and analyzes financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan request.
- Complies with laws, rules and regulations, avoiding any real or perceived conflicts of interest.
- Applies proper pricing and mitigates risk with additional pricing when appropriate.
- Maintains a portfolio of industry contacts that consistently contribute to the overall monthly production of the Division and meets the expectations set by Management.
- Develops and maintains close working relationship with assigned branches to develop and build deposit relationships with new mortgage clients.
- Refers any commercial, small business, deposit and HELOC business to assigned network of branches or as appropriate within the Bank.
- Performs property inspections as neede
- Other duties deemed necessary in order to deliver products or services in a quality client experience to the prospect, current client, and other Bank colleagues.
- Build cross referral business with Retail, Commercial and Community Banking group.
- Proactively works with Retail branch colleagues to deepen client relationships and acquire personal deposits and primary transaction accounts to meet specific expectations.
- Share lists of area builders with commercial peers for promotion of the Bank’s All-in-One and spec construction products and may be assigned to originate Small Builder Loans.
- Promote mortgage loans for buyers of the group builder’s spec homes via the Bank’s Builder Special program.
- Promotes Wafd Bank within the community.
- Proactively seeks new business relationships.
- Maintains current information regarding competitor’s fees, and pricing.
- Uses competitor information to promote the advantages of WaFd Bank products to prospective clients.
- Other duties assigned.
- 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, email or in 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.
- Computer proficiency with Encompass loan origination platform and Microsoft Office 365 applications (e.g. Teams, Word, Excel, and Outlook) required.
- Minimum three years mortgage lending experience required with demonstrated success as a mortgage originator, including a strong understanding/working knowledge of lending terminology, loan processing, loan documentation and lending procedures.
- Financial industry or banking experience preferred.
- 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