Mortgage Community Development Loan Officer - Tempe
Company: Bell Bank
Location: Mesa
Posted on: May 12, 2022
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Job Description:
Job Description Mortgage Community Development Loan Officer If
you like to work with people in a family atmosphere, enjoy great
benefits and provide a high level of service that makes each
mortgage run smoothly, consider a career with Bell Bank---s
mortgage team. Company Information: Bell Bank Mortgage is backed by
the financial strength of one of the nation---s largest
independently owned banks. Founded in 1966 in Fargo, North Dakota,
Bell Bank has more than $10 billion in assets and full-service
banking locations in Arizona, Minnesota and North Dakota. Bell has
empowered more than $18 million in charitable giving through its
unique Pay It Forward initiative, through which every employee
chooses each year how to help individuals, families and
organizations in need. Originally founded in 1880 by early
Minneapolis civic leader David C. Bell, Bell---s mortgage division
today has thousands of family mortgages to its name. Bell Bank
Mortgage has been in Arizona since 1997 and is actively expanding,
most recently opening locations in New Mexico and several other
regional offices. Bell Bank has been recognized as a top bank and a
top financial workplace by American Banker, Forbes and Fortune ,
and has been named among America---s top mortgage employers by
National Mortgage Professional magazine. If you want to work for a
strong, growing, forward-looking organization with world-class
employees, this is the place for you. Bell---s Values: As stewards,
dedicated to the growth and reputation of this independently owned
organization, we are committed to: Promoting and sustaining our
family atmosphere. Providing unequaled personal service to each and
every customer. ---Paying it forward--- by giving back to the
communities we serve. Our Bottom Line: Happy Employees Happy
Customers Job Summary: The Mortgage Community Development Loan
Officer is focused on developing and maintaining strategic
community partnerships and growing and developing homeownership
opportunities for low-to-moderate income (LMI) individuals,
families and communities of color. Under minimum supervision, this
position will be an area market expert for and originate mortgage
loans that meet regulatory, investor and bank portfolio guidelines;
including but not limited to Housing Finance Agency, first-time
homebuyer, affordable housing and down payment assistance programs.
The Mortgage Community Development Loan Officer will lead and
coordinate community development activities and build and maintain
strong relationships with bank partners, government sponsored
entities, not for profit organizations and other community
partners. This position is a community connector that is driven by
the goal of supporting financial empowerment and generational
wealth building by providing successful and sustainable
homeownership opportunities with a focus on closing the
homeownership disparity gap. This role reports to the Area Manager
with dotted line to the National Community Development Manager.
Primary Duties: 1. Mortgage Loan Originations Originate compliant
mortgage loans with a focus on, but not limited to, LMI and
communities of color: Responsible for knowing and complying with
all Federal Regulations and Bank policies. Advise customers on
mortgage loans that are appropriate for their individual financial
circumstances, interview applicants, and collect financial data and
documents. Maintain high standards of client satisfaction and
quality, and ensure sales/originator systems and workflows are
efficiently controlled. Expedite loans in process by regularly
reviewing pipeline, following up on documentation with borrowers,
interacting with title companies, realtors, attorneys, etc. Manage
client referrals to ensure all new customers are introduced to
local branches and other appropriate business lines. Originate a
minimum of 3 loans per month or 36 loans per year. Community
Development (approximately 1/3 to 1/2 of time) Community
Engagement, Outreach and Training Develop and maintain strategic
community relationships. Conduct 3-4 business development calls or
appointments per week or 12-16 per month. Track: Date, Contact
Name, Organization, Organization Address, role, summary, notes, and
follow up. Conduct Financial Wellness or Homebuyer education
workshops with local community partners and affordable housing
partners (min 12 per year). Attend affordable homeownership
programs and services educational seminars, trainings and workshops
conducted by state, local and nonprofit housing organizations (min
12 per year). Represent Bell at community focused meetings or
events (min 24 per year). Track: Date, event, targeted market
reached, est. of attendees, evaluation, notes. Provide monthly
training/updates to area staff on local affordable housing
products, homebuyer education and counseling, have guest speakers
from local non-profit partners, etc. Participate in regularly
scheduled meetings with Bell partners and provide updates or report
outs as appropriate (e.g. CRA, Bell Bank Community Development,
Community Development Loan Officers from other market areas, Area
and Market Managers, National Sales Group Meeting and Bell Mortgage
leadership). Participate in Bell sponsored Community Development
Events/Activities in the local market, this may include staffing a
booth, assisting in planning, identifying local speakers or
partners to participate, speaking at the event, assisting with the
event details (e.g. Bell Mobile Empowerment Center, GSE partnership
events, etc.). Attend Bell enterprise-wide Community Development
trainings. Be a Community Development and Diversity, Equity and
Inclusion champion. Recognize, share and celebrate Community
Development stories and successes Know by name and face as many
partners, customers and employees as possible, calling them by name
as often as possible. Know and practice LOCBUTN, our Golden Rules,
and Bell Bank Customer Service Standards. Know, understand, and
live the company values and bottom line. Market Area Community
Development Goals and Activities: Manage the market area Community
Development (CD) Business Plan. Track goal progress and report out
to leadership. Track industry and production trends and propose
adjustments to the CD Business Plan and goals as needed. Track and
measure against CRA and/or Fair Lending targets for the market
area. % of mortgage originations in LMI and minority communities. %
of Mortgage originations to LMI and minority borrowers. Develop
strong relationships and communication channels with Bell partners
(e.g. Bell Bank, Community Reinvestment Act (CRA), Operations,
Compliance, etc.). Catalogue Professional Trade Association
participation, Board Involvement, Task Force, Advisory Group or
Coalition participation for area staff. Maintain list of key
strategic community partners. Develop and share local Community
Development Activity calendar. Catalogue, track and evaluate
Community Development activities for the market area. Communicate
local Community Development training and volunteer opportunities to
area staff. Communicate local Community Development marketing
activities to area staff. Perform other duties as assigned. Job
Skills Required: Preferred three (3) years--- experience as a loan
officer in first mortgage production. Thorough knowledge of pricing
and underwriting requirements of various mortgage insurance
companies. Demonstrated experience with Affordable Lending
products. Proven experience in supporting Community Reinvestment
Act (CRA) and Fair Lending goals. High School Diploma, Bachelor---s
degree in business related field, or equivalent experience. Working
knowledge of Community Reinvestment Act, FNMA, FHLMC, FHA, VA,
local state housing programs, TIL regulations, Equal Credit
Opportunity Act, RESPA regulations, local and state real estate,
finance laws, regulatory compliance and investor guidelines.
Excellent written and oral communication skills and ability to work
in a team environment. NMLS registration. Proficient in sales and
service skills; including tele-consulting, prospecting, networking
and COI relationship management. Strong computer skills and
experience utilizing laptop technology Ability to work
independently with limited supervision. Ability to strategically
plan to market and develop business contacts. Excellent customer
service skills. Ability to travel to and work occasional evenings
and/or weekends to participate in or attend community events or
meetings. Ability to travel to different branches and to off-site
meetings to meet with clients or co-workers. Bilingual or
multilingual preferred. Bell Bank provides competitive compensation
and an excellent benefits package. Bell Bank Equal Opportunity
Employer
Keywords: Bell Bank, Mesa , Mortgage Community Development Loan Officer - Tempe, Accounting, Auditing , Mesa, Arizona
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