<p>Job description:</p> <p>Job Duties and Responsibilities</p> <ul> <li> <p>Assist borrowers in completing their applications for financing, gathering and entering complete information as needed.</p> </li><li> <p>Analyze borrower qualifications to determine a prequalified loan amount while working with the borrower to identify the appropriate loan program and pricing.</p> </li><li> <p>Deliver "best in class" customer service by promptly returning phone calls, answering questions, and providing education to prospective borrowers on loan product types.</p> </li><li> <p>Abide by all state, federal, and local laws, including those regarding fair lending and nondiscrimination in the extension of mortgage services.</p> </li><li> <p>Develop and foster internal and external client referral relationships to assist in generating an ever increasing pipeline of loan applications.</p> </li><li> <p>Meet and exceed published individual and department goals for sales activity, productivity, and processing times.</p> </li><li> <p>Become the client's "trusted advisor" by demonstrating knowledge of the lending function, bank policy, and industry underwriting criteria.</p> </li><li> <p>Participate as a valued Team Member, representing the bank with enthusiasm and professionalism at all times.</p> </li><li> <p>Identify borrower cross-selling opportunities, delivering "warm transfers" to internal partners to support bank cross-sell goals.</p> </li></ul> <p>Compliance</p> <ul> <li> <p>Comply with applicable bank regulations, such as regulations governing disclosures</p> </li><li> <p>Comply with applicable bank regulations, such as regulations governing currency transactions, purchase of negotiable instruments, and money laundering (BSA, AML)</p> </li><li> <p>Participate in annual compliance and other job-related training</p> </li><li> <p>Other duties as assigned</p> </li></ul> <p>Skills and Competencies</p> <ul> <li> <p>Must be compliant with the SAFE Act and registered with the Nationwide Mortgage Licensing System (NMLS).</p> </li><li> <p>Strong working knowledge of underwriting guidelines for each agency, as well as bank overlays for portfolio business.</p> </li><li> <p>Excellent written and oral communication skills.</p> </li><li> <p>Ability to manage time extraordinarily well.</p> </li><li> <p>Excellent presentation and public speaking skills.</p> </li><li> <p>Familiarity with Microsoft Office.</p> </li></ul> <p>Education and Experience</p> <ul> <li> <p>High school diploma or GED required; college degree preferred.</p> </li><li> <p>Minimum of two years' previous experience in a sales oriented environment, with proven track record of success, required; network of established referral sources preferred.</p> </li></ul> <p>Penn community Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.</p>