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Positions Available
As of July 25, 2008
Position Title: Customer Service Associate
Location: Various branches throughout the Treasure Valley
Job Number: 08-CSA
Salary Range: From $10.27 per hour, dependent on experience
Summary:
Serves as the organization's primary contact with the public by providing exceptional customer service to the bank’s customers. Completes a variety of clerical and customer service work relating to teller functions and customer account maintenance. Uses a thorough knowledge of Home Federal products and services to evaluate the additional financial needs of our customers and make all necessary cross-sell referrals to meet our customer’s needs.
Essential Duties and Responsibilities:
Operations/Customer Account Maintenance:
- Accepts deposits and loan payments, verifies cash and endorsements and issues receipts to customers.
- Cashes checks within assigned limits and operational policy and procedure guidelines.
- Performs payoff transactions after verifying procedures with Supervisor.
- Prepares savings, checking and loan histories for branch personnel or customers.
- Balances cash drawer on a daily basis.
- Operates a computer to record all transactions.
- Issues official checks, money orders, traveler checks, etc.
- Closes accounts with proper documentation and approval by store management.
- Actively participates in monthly operational certification process.
- Takes ownership of customer problems and inquiries and responds quickly to the customer’s satisfaction.
- Helps complete computer file maintenance, with proper documentation, as required.
- Constantly reviews and understands all Operational policies and procedures.
Sales/Customer Service:
- Actively participates in Home Federal Savings Sales Skills Development Program to help identify customer financial needs and cross-sell our products and services to meet those needs:
- Keeps informed on the benefits and features of all Home Federal Savings products and services.
- Meets and exceeds all stated individual and team sales referral goals.
- Prospects new and existing customers to cross-sell additional products and services.
- Actively participates in morning sales meetings, skills drills and role-plays.
- Develops lasting customer relationships.
- Identify customer needs and proactively recommend products and services to fill those needs.
Education and/or Experience:
- One year’s related experience in cash handling, retail sales or customer service positions.
- High school diploma or general education degree (GED);
- Ability to Assimilate and apply new job-related information.
- Basic skills in computer terminal and personal computer operation; mainframe computer system; software programs.
- Intermediate typing and data entry skills to meet production needs of the position.
- Basic math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure.
- Effective oral, written and interpersonal communication skills
- Ability to solve basic problems and deal with technical problems involving multiple facets and variables.
- Effective organizational and time management skills.
- Ability to work with minimal supervision while performing duties.
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Position Title: Branch Manager
Location: Boise Fairview Branch
Job Number: 08-036
Salary Range: Commensurate With Experience
Summary:
At Home Federal Bank, we offer a friendly work environment where employee input is valued, career growth is encouraged, and service excellence is the standard. We are the largest community-based bank in the Treasure Valley with over 87 years of successfully delivering consumer and business financial products to our clients.
To achieve our high expectations, we seek people who embrace our shared core values of Professionalism, Accountability, Trust, Innovation, and Execution. Most of all, we look for people who believe in commitment and are passionate about who we are and what we do as they are about their job performances. If Home Federal Bank sounds like the exciting company where you would like to succeed, please read on about our great job opportunity for a Branch Manager.
Essential Duties and Responsibilities:
The Branch Manager will provide leadership to a group of Retail Banking employees, and will be responsible for managing a branch with a deposit size of up to $23 Million. The successful incumbent will:
- Implement and manage the delivery of financial services and assure the sales and service missions of Home Federal are supported.
- Engage in business/customer development activities and solicitation of new business/customer prospects, including assigned individual prospecting and outside sales goals.
- Develop and maintain an aggressive sales culture with their location by managing, monitoring, and coaching staff in effective cross-selling, customer service and sales techniques.
- Keep informed on current market trends, key competitors, new products and services, and recognizes/identifies areas of opportunity presented by changes and shifts in the marketplace.
- Proactively prospect and call on potential small business customers to acquire/retain small business deposit and credit relationships.
- Provide supervision and support to all areas of the department where service or assistance is needed; oversees activities of department staff; ensures various department activities or projects run smoothly and efficiently.
- Perform personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the daily activities of department staff including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training.
- Carry out supervisory responsibilities in accordance with the bank’s policies and laws, ensuring adherence to EEO guidelines.
- Play a major role in the development and growth of retail branch employees through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff.
- Assist in recruiting/training/developing a highly motivated and effective team of sales associates and customer service associates.
- Assure audit compliance and procedure quality control for their location through active involvement in the day-to-day operations and certification review.
- Maintain a working knowledge of all laws and regulations related to the job, to ensure all duties and tasks performed are in compliance with legal and regulatory requirements.
- Ensure compliance and procedure quality control through the development, implementation, and maintenance of policies, procedures and other related infrastructure documentation.
- Contribute to the overall profitability of the district; implements cost controls, income generation, and bank marketing efforts; monitors expenses to ensure compliance with budget.
- Assist the Retail Banking Team in the development and implementation of financial plans, sales goals and budgets that support the sales and service objectives for the branch.
- Actively represent the banking community events and volunteer non-profit organizations.
Home Federal Bank offers a competitive base salary and incentive opportunity as well as a comprehensive and competitive benefits package. Home Federal Bank is an Equal Opportunity Employer and dedicated to a diverse workforce. EEO/AA/D/V
Education and/or Experience:
The ideal candidate should have an Associate’s degree (AA) or equivalent two-year college or technical school; or two to five years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of branch operations with a supervisory background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry. Two to five years of marketing and business development experience with ability to cross-sell and explain all operation products and services with confidence and authority.
Knowledge of bank operational policies and procedures, products and services including processing adept credit skills; related state and federal banking compliance regulations, human resource, labor laws and policies. Demonstrate analytical and project management skills for a variety of tasks or projects. Proficient computer and math skills to calculate interest and balance accounts, including, but not limited to the ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals and locate routine mathematical errors. The incumbent must also possess the ability to compute rate, ratio and percent, including the drafting and interpretation of bar graphs. Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees. Incumbent will have the ability to deal with difficult problems involving multiple facets and variables and have effective organizational and time management skills.
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Position Title: Customer Service Associate, Roving
Location: Ada County
Job Number: 08-037
Salary Range: $10.27 per hour, commensurate with experience
Summary:
The Roving Customer Service Associate (teller) supports the bank’s branches in the Ada County area on a weekly scheduled basis. Hours worked will vary between 20-40 per week. This position requires availability Monday through Saturday, from 8:00 a.m. through 7:30 p.m.
Home Federal Bank’s Customer Service Associates serve as the organization's primary contact with the public, providing exceptional customer service to our customers. They complete a variety of customer service work relating to teller functions and customer account maintenance. They use their thorough knowledge of Home Federal Bank products and services to evaluate additional financial needs of our customers and make any necessary cross-sell referrals to meet the customer’s needs.
Essential Duties and Responsibilities:
Operations/Customer Account Maintenance:
- Accepts deposits and loan payments, verifies cash and endorsements and issues receipts to customers.
- Cashes checks within assigned limits and operational policy and procedure guidelines.
- Performs payoff transactions after verifying procedures with Supervisor.
- Prepares savings, checking and loan histories for branch personnel or customers.
- Balances cash drawer on a daily basis.
- Operates a computer to record all transactions.
- Issues official checks, money orders, traveler checks, etc.
- Closes accounts with proper documentation and approval by store management.
- Actively participates in monthly operational certification process.
- Takes ownership of customer problems and inquiries and responds quickly to the customer’s satisfaction.
- Helps complete computer file maintenance, with proper documentation, as required.
- Constantly reviews and understands all Operational policies and procedures.
Sales/Customer Service:
- Actively participates in Home Federal Savings Sales Skills Development Program to help identify customer financial needs and cross-sell our products and services to meet those needs:
- Keeps informed on the benefits and features of all Home Federal Savings products and services.
- Meets and exceeds all stated individual and team sales referral goals.
- Prospects new and existing customers to cross-sell additional products and services.
- Actively participates in morning sales meetings, skills drills and role-plays.
- Develops lasting customer relationships.
- Identify customer needs and proactively recommend products and services to fill those needs.
Education and/or Experience:
- One year’s related experience in cash handling, retail sales or customer service positions.
- High school diploma or general education degree (GED); must be at least 18 years of age.
- Ability to Assimilate and apply new job-related information.
- Basic skills in computer terminal and personal computer operation; mainframe computer system; software programs.
- Intermediate typing and data entry skills to meet production needs of the position.
- Basic math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure.
- Effective oral, written and interpersonal communication skills
- Ability to solve basic problems and deal with technical problems involving multiple facets and variables.
- Effective organizational and time management skills.
- Ability to work with minimal supervision while performing duties.
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Position Title: Commercial Relationship Assistant
Location: Nampa Corporate Office
Job Number: 08-039
Salary Range: Commensurate With Experience
Summary:
The Commercial Relationship Assistant provides support to Relationship Managers by assisting with various loan application documents, systems and process management, client management, correspondence, and interaction with other departments in the bank to meet internal/external customer needs.
Essential Duties and Responsibilities:
- Serves as the relationship support for Builder Finance, Commercial Real Estate, or Commercial Banking clients. Fields incoming Commercial Banking calls, responds to client servicing needs, and escalates to the Relationship Manager as appropriate.
- Supports the Relationship Manager in all client retention and in all new business development activities, including profiling and pre-call planning.
- Processes client requests as needed.
- Actively cross-sells appropriate banking products and services to existing commercial clients and refer clients for other banking products and services.
- Review and consult with Relationship Managers for documentation requirements. Responsible for review of new document packages and follow up on scheduled items needed prior to closing and after loans have been closed. Serves as closing backup for Relationship Manager as needed, ensuring all conditions and documentation requirements are met via auditing procedures.
- Obtaining applicant credit history and credit reports
- Preparing loan documentation
- Preparing loan advance forms, advancing funds, and closing
- Ordering and tracking third party services required to close loans (e.g., title insurance, flood certification, appraisals, insurance, UCC lien searches)
- Preparing General Ledger entries
- Reviewing and processing loan technical exceptions
- Reviewing and researching loan and account histories
- Assisting with the collection of past due loans by making telephone calls and sending past due letters.
- Oversees file maintenance and security, keeps files organized, and track serving requirements.
- Maintain a working knowledge of all laws, regulations, and credit policy and procedures related to the job, which ensures that all duties and tasks performed are in compliance with legal and regulatory requirements
Education and/or Experience:
High school diploma or GED required; or equivalent knowledge, skill, and mental development equivalent to the completion of a high school education, which includes specific courses in bookkeeping, business, math, and keyboarding. Some college business courses preferred. Loan documentation experience preferred or 2-3 years experience in consumer, mortgage, or commercial loan processing / servicing experience or equivalent education in bank credit processing / servicing procedures and policies.
Incumbent will have the ability to read, analyze, and interpret technical procedures or governmental regulations; to write business correspondence; to effectively present information and respond to questions one-on-one or in small groups to employees and management; to work with mathematical concepts such as discounts, interest, commissions, proportions, and percentages; to define problems, collect data, establish facts, and draw valid conclusions; to read and interpret technical documentation such as building blueprints; to manage multiple tasks simultaneously in a fast paced environment and assist others as called. Must be competent in the English language, both written and oral. Proficiency in a second language a plus. Computer experience in job related software, i.e., LaserPro, Excel, and on-line computer systems.
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Position Title: Systems Analyst / Project Manager
Location: Nampa Corporate Office
Job Number: 08-035
Salary Range: Commensurate With Experience
Summary:
At Home Federal Bank, we offer a friendly work environment where employee input is valued, career growth is encouraged, and service excellence is the standard. We are the largest community-based bank in the Treasure Valley with over 88 years of successfully delivering consumer and business financial products to our clients.
To achieve our high expectations, we seek people who embrace our shared core values of Professionalism, Accountability, Trust, Innovation, and Execution. Most of all, we look for people who believe in commitment and are passionate about who we are and what we do as they are about their job performances.
If Home Federal Bank sounds like the exciting company where you would like to succeed, please read on about our great job opportunity for a Systems Analyst/Project Manager.
Home Federal Bank offers a competitive base salary and incentive opportunity as well as a comprehensive and competitive benefits package. Home Federal Bank is an Equal Opportunity Employer and dedicated to a diverse workforce. EEO/AA/D/V
Essential Duties and Responsibilities:
The Systems Analyst / Project Manager is responsible for ensuring that the business units obtain the required and appropriate type of information, tools and solutions in support of the unit’s strategic business goals and objectives. The group acts as an internal consultant, partnering with bank management to deliver on business objectives, with the expectation that the incumbent is involved from project definition through to full project delivery and implementation. The Systems Analyst / Project Manager is responsible for defining the business requirements, conducting detailed analysis, leading solution design, developing processes to parallel overall business strategies, ensuring that technology is effectively leveraged, and acting as a liaison between the business project sponsors, information technology, vendors and functional areas. This position is both a leadership and a hands-on analyst role. The projects and initiatives that the Systems Analyst / Project Manager is associated with are acknowledged to be of strategic importance to the Bank. The incumbent will work with minimal supervision on product development, system integration, application support, vendor management, and managing cross-functional projects, and business analytics.
- Partners with assigned business areas to understand and prioritize information needs, develop systems of controls and risk mitigation, develop procedures/processes and translate business requirements into systems solutions. This position will work with all areas of the business.
- Partners with the business to document business requirements, prepare business case, and design appropriate financial systems which will provide solid foundation for reliable application programs and processes.
- Manages application deployments through cross-team efforts; drives improvements into the financial processes adhering to the System Development Life Cycle methodology.
- Drives trade-off decisions between cross-functional business units to arrive at a consensus that aligns with strategic objectives.
- Prepares, maintains, and communicates project status and project financial reporting to executive and senior management on a continuing basis.
- Manages vendor accountability for product functionality. Documents application issues, design improvements, and new system requirements for submission to vendors for product enhancement. Ensures vendor meets contractual requirements and manages the delivery of solutions to ensure business needs are met and solutions are integrated.
- Engages the business units to collect and translate end user data and report requirements in order to design financial metrics, dashboards, and multi-dimensional reports.
- Conduct analysis of subsequent enhancements to systems. Manages banking systems applications including developing and managing upgrades and patches.
- Responsible for understanding the abilities, features and capabilities of the appropriate banking applications that impact the assigned business unit operations. Responsible for recommending and implementing cost avoidance and revenue enhancement and efficiency improvements to financial systems.
Education and/or Experience:
Bachelor degree in business, information technology, finance or accounting; Proficiency in MS Word, Excel Access, Project and PowerPoint; Proficiency in reporting tools and proven experience developing reports and queries including Crystal Reports, and other ad-hoc tools; Two to five years experience in a quantitative or analytical role including proven application of the system development life cycle methodology; Proven experience leading project implementation teams including directing and ensuring that technical, systems and human resources are effective in meeting project goals; Proven experience and exposure to various technologies is highly desirable such as .NET, JAVA, Web Services, Data Warehousing, Oracle, etc. Minimum of two years of working in a banking environment a plus.
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Position Title: Computing Services Lead
Location: Nampa Corporate Office
Job Number: 08-034
Salary Range: Commensurate With Experience
Summary:
At Home Federal Bank, we offer a friendly work environment where employee input is valued, career growth is encouraged, and service excellence is the standard. We are the largest community-based bank in the Treasure Valley with over 87 years of successfully delivering consumer and business financial products to our clients.
To achieve our high expectations, we seek people who embrace our shared core values of Professionalism, Accountability, Trust, Innovation, and Execution. Most of all, we look for people who believe in commitment and are passionate about who we are and what we do as they are about their job performances.
If Home Federal Bank sounds like the exciting company where you would like to succeed, please read on about our great job opportunity for a Computing Services Lead.
Home Federal Bank offers a competitive base salary and incentive opportunity as well as a comprehensive and competitive benefits package. Home Federal Bank is an Equal Opportunity Employer and dedicated to a diverse workforce. EEO/AA/D/V
Essential Duties and Responsibilities:
This position is responsible for the architecture, engineering, design, configuration, operation, and administration of data center, remote site and client-side systems hardware, operating systems, and data network communications links. Provides a leadership role in the delivery and management of infrastructure services for the Enterprise. Monitors established platform administration and security policies, procedures and standards to ensure conformance with information system and company’s objectives. Performs technical lead activities between technical staff and business analysts. Follows management direction in the enhancement of systems to meet the needs of the organization. May determine and recommend the procurement of hardware and software equipment consistent with the company’s needs. May serve as the bank’s primary contact to vendors and/or contractors chosen to assist in the installation, maintenance and support of its server, storage, and desktop systems. Responsible for participation in rotating on-call support duty.
Will manage and implement server builds, installations, configurations, and software upgrades at both the primary and Disaster Recovery sites. Maintain, patch and administer Windows Enterprise Server technologies (Microsoft Server 2000/2003), VMWare and Citrix environments, and SAN enterprise data storage systems. Provides intermediate to advanced hardware and software troubleshooting for computing infrastructure. Prepares system-level backups and perform recovery procedures. Designs, configures, maintains and manages security features for all server, SAN and desktop systems. Troubleshoots hardware, software and network problems and provides resolution according to established policies and procedures in response to business needs and questions. Attends technical seminars and symposiums in order to keep abreast of current trends and industry best practices regarding server, desktop, and storage services and solutions. Ensures that computer health and security is established and maintained to meet and/or exceed industry and regulatory compliance.
Education and/or Experience:
- Must be able to accommodate to reading documents or instruments, detailed work, problem solving, reasoning, math, language, presentations, verbal communication, written communication, analytical reasoning, stress, training others, multiple concurrent tasks and constant interruptions.
- Prefer five to seven years experience working with Windows Server maintenance and administration, VMWare environment design, implementation, and administration, and Citrix environment maintenance and administration.
- Microsoft Certification
- VMWare Certification or 3 years of experience
- Ability to research, review, and interpret data relative to computing services information, to record and deliver information, meet required deadlines and maintain confidentiality of restricted information, use and interpret data management terminology and language, use independent judgment, principles of influence and rational systems in the performance of tasks, ability to counsel, mentor, and mediate; ability to persuade, convince, influence and train others; to advise and interpret on the application of policies, procedures, and standards to situations involving the company's programming needs. Effectively communicate with all employees.
Other Desirable Skills and Abilities:
- One to three years working in the financial services industry.
- Citrix, Linux, Cisco, etc. certifications
- Other industry accepted infrastructure related certifications
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Position Title: Call Center Representative, Part-Time
Location: Nampa Corporate Office
Job Number: 08-033
Salary Range: From $9.38/hour, Dependent on Experience
Summary:
Part-time of 20 hours a week. Mondays (10:00am-2:00pm), Fridays (9:00am-6:00pm), and Saturdays (9:00am-5:00pm). The Call Center Representative’s primary responsibility is to answer calls within established guidelines. The Call Center Representative is responsible for interaction among customers and bank personnel, and employing consultative sales and service skills to offer a wide variety of banking products and service solutions based on individual customer needs. The Call Center Representative processes customer transactions, researches and resolves customer inquiries by completing maintenance on Bank systems per policy and procedure. The Call Center Representative handles any upset or angry customers in a professional and courteous manner, resolves customer issues as needed, and ensures complex customer issues are escalated for resolution.
Essential Duties and Responsibilities:
- Engages in business/customer development activities and solicitation of new business/customer prospects.
- Develops and maintains a need based sales approach using effective cross-selling, customer service, and sales techniques.
- Responsible for incorporating and maintaining sales guidelines into daily job requirements. Provides prompt, courteous, and friendly service and actively makes sales or sales referrals for other Home Federal products and services.
- Responsible for account maintenance including address and phone number changes, stop payments and account transfer of funds.
- Maintains a working knowledge of laws and regulations related to the job; ensures compliance with regulatory requirements.
- Responsible for properly identifying customers.
- Maintains strong personal knowledge of Home Federal products and services. Identifies customer needs and proactively recommend products and services that fill those needs.
- Operates within the established customer service standards to meet handle times, hold times and quality assurance standards.
- Processes and completes customer requests on debit card inquiries, rate information, address changes, verifications of deposit, ordering checks, transfers, combined statements, stop payments, online banking, and Health Savings Account inquiries.
- Provides a full range of assistance to customers, sells and cross-sells bank products and services, educates customers on the features and benefits of Bank products and services, opens new accounts and assists customers with completing loan applications.
- Provides a full range of assistance to customers by responding to requests within established guidelines.
- Researches and processes customer phone inquiries by performing computer file maintenance on customer accounts, with proper documentation, as established within Bank guidelines.
- Ensures all individual Call Center escalations are routed to Call Center Manager or Lead and are completed in a timely manner.
Education and/or Experience:
- Six to twelve months related experience and/or training. Work related experience should consist of customer service positions.
- Must be 18 years old with a High School diploma or general education degree (GED).
- Basic reading, researching and analyzing skills; ability to interpret general business documentation.
- Basic ability to cross-sell and explain all operation products and services with confidence.
- Basic loan product knowledge.
- Basic level skills in computer terminal, personal computer; and software program operation. Basic keyboard/typing skills.
- Basic math skills to calculate interest and balance accounts, including, but not limited to the ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals and locate routine mathematical errors.
- Ability to learn all bank products, processes and services.
- Ability to handle upset customers.
- Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
- Effective organizational and time management skills.
- Ability to work with minimal supervision while performing duties.
- Current driver’s license and vehicle with appropriate insurance coverage if required to drive in the course of assigned duties.
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Position Title: Small Business Team Lead
Location: Nampa
Job Number: 08-010
Salary Range: DOE
Summary:
The Small Business Team Leader directs the activities of the small business sales team to profitably grow revenue, market share, deposits and loans through sales leadership and partnership with other Home Federal Bank lines of business.
Essential Duties and Responsibilities:
The Small Business Team Leader directs the activities of the small business sales team to profitably grow revenue, market share, deposits and loans through sales leadership and partnership with other Home Federal Bank lines of business.
- Manages by and sets an example of Home Federal Bank’s visions and values of P.A.T.I.E.; Professionalism, Accountability, Trust, Innovation, and Execution.
- Will develop team financial plans, sales goals, and production goals; develops and promotes robust and innovative small business products and services.
- Responsible for recruiting, training, and developing highly motivated and effective team of small business relationship managers; assisting with the design, tracking and payout of the small business incentive compensation plan; and for sales and production tracking for the small business banking team.
- Works in conjunction with the Marketing Department to develop, implement, and track the success of sales promotions and campaigns. Incumbent will keep informed on current market trends, key competitors, new products and services, and recognizes/identifies areas of opportunity presented by changes and shifts in the marketplace. In addition, will represent the Bank at various civic and community functions to further enhance Bank’s image and develop additional business contacts and referral resources.
- Ensure compliance and procedure quality control of Home Federal Bank lending policies and pricing disciplines through the implementation, maintenance, and measurement of policies, procedures, and other related infrastructure documentation. Maintain a working knowledge of all laws and regulations to ensure that all job accountabilities performed are in compliance with legal and regulatory requirements.
Home Federal Bank offers a competitive base salary and incentive opportunity as well as a comprehensive and competitive benefits package. Home Federal Bank is an Equal Opportunity Employer and dedicated to a diverse workforce.
Education and/or Experience:
Bachelor’s degree is preferred with a background in finance, business, and/or accounting. Minimum 5 or more years experience in small business as a sales production manager. Incumbent must have a proven training and coaching experience of a sales staff. Thorough level of knowledge in the administration, analysis, and credit policy/procedures specific to the principles and practices associated with small business banking and related financial analysis; thorough knowledge of the practices and regulations that govern the banking industry and the implications of federal, state, and local regulations affecting commercial lending activities required. Understands and articulates business banking strategies and philosophies. Must be proficient in the use of host and PC based software applications. Must be able to gather, arrange, compile, interpret, analyze, summarize, and evaluate information and data to identify sales opportunities and formulate conclusions and recommended actions.
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Position Title: Loan Originator
Location: Boise
Job Number: 07-Loan Originator
Salary Range: Commission
Summary:
Examines, evaluates, and authorizes or recommends approval of customer applications for residential real estate and construction loans.
Essential Duties and Responsibilities:
- Interviews applicant and requests specified information for loan application.
- Initiates real estate loan applications involving qualifying the customer, assisting them in completing applications, relaying decision regarding the acceptance or denial of loan.
- Ensures loan agreements are complete and accurate according to policy.
- Refers loans to loan committee for approval.
- Inputs and receives data from on-line system.
- Keeps up-to-date on current market trends, key competitors, etc.; recognizes/identifies areas of opportunity presented by changes and shifts in the marketplace.
- Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
- Confers with Underwriter to aid in resolving mortgage application problems.
- Creates and maintains a proactive sales plan to develop new business with current customers or prospects which includes identifying, initiating contact by telephone or personal contact, and performing follow-up.
- Effectively represents association within the real estate community.
- Maintains a working knowledge of all laws and regulations related to the job which ensures that all duties and tasks performed are in compliance with legal and regulatory requirements.
- EOE/AA/D/V
Education and/or Experience:
- Bachelor's degree (BA) from four-year college or university preferred and one to two years related experience in Real Estate lending loan origination.
- Established realtor relationships
- Excellent sales skills
- Computer experience required
- Basic knowledge of Conventional, FHA, VA, IHA mortgage lending programs
- Working knowledge of HP12C or equivalent
- Valid driver’s license
- Competency in the English language
- Ability to build rapport with both external and internal customers
- Decisive and analytical
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