Job Summary:

 

Mortgage CRA Loan Officer originates CRA residential mortgage loans to low-to-moderate income customers through outside sales efforts. This position 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. Responsibilities include qualifying customers, submitting applications, and facilitating essential communication between parties throughout the process.



Primary Responsibilities:

The duties listed below are some of the duties that may be assigned and may not include all responsibilities that the person in this role may be asked to perform.  Incumbent may be required to perform other related duties as assigned.

• Promotes and increases mortgage loan volume, primarily focusing on CRA, low-to-moderate, and minority customers to generate residential mortgages.


• 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 geographic markets


• Guide clients through mortgage loan options by advises customers on the mortgage loans that are appropriate for their individual financial circumstances.


• Partners with various down payment assistance programs within the state as well as city and county.


• Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations.


• Establishes and maintains relationships with industry-specific centers of influences such as real estate agents, builders, and contractors.


• Researches and complies with all appropriate bank policies and lending regulatory guidelines.


• Analyzes complex financial data.


• Ensures compliance with privacy laws and confidentiality policies throughout the loan process.

Supervisory Responsibilities:

• None.