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Company is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants with a disability who need assistance applying for a position with Company are asked to email: ___@___(apply_to_show_email)
Responsible for expanding and deepening customer relationships by identifying customers' needs and matching their needs with selections and resources within the colleague's assigned business line and across all business lines of Company. Responsible for the origination of complete and compliant residential loan applications for exiting and new Company customer, through the warm-transfer process from bankers, inbound calls, and online applications. Assist in the expedient processing of loan applications through regular communication with borrowers, branch partners, and Company loan processing support staff. Responsible for expanding and deepening customer relationships using all channels (Inbound calls into LENDABC, Direct to Consumer, LO partner, Branch partner, Online, and Virtual Sales) identifying customers' needs and matching their needs with financial solutions and resources within the colleague's assigned business line and across all business lines of Company.
This position requires a credit check per 12 CFR Chapter X, Part 1026, Truth in Lending, Regulation Z.
Fully complies with all applicable enterprise policies and procedures. Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act. Responsible for reporting suspicious activity to Financial Intelligence. Responsible to report all customer complaints as prescribed and procedure violations to management or HR. Responsible to report ethical concerns as needed to Associated’s anonymous Ethics Hotline.
Operates in full compliance with internal policies and procedures as well as applicable regulations and laws, including but not limited to Bank Secrecy Act/Anti-Money Laundering and S.A.F.E. Act requirements. Must submit required information to meet registry requirements, obtain a unique identifier, and maintain the registration requirements as directed by the S.A.F.E Act.
Key Result Areas
Sales and activity tracking
Accept Consumer/residential mortgage loan applications from borrowers and provide all required application disclosures. Ensure that loan applications are complete and compliant with Company’s loan policies, regulatory and legal requirements, industry and investor guidelines. Maintain open lines of communications with applicants and follow up timely as necessary. Submit loans to the loan processing unit timely and monitor the processing of the loan in accordance with Company’s policies and procedures.
Conduct loan pre-qualification interview on behalf of customers. Explain and recommend the most appropriate loan programs, based on a pre-qualification interview. Maintain a file of loan prospects who do not immediately result in a formal application and follow-up with prospects until they apply for a loan with Company.
Originate Consumer loans using good judgment and effective communication with customers, bank partners, prospects, loan officers, loan processors, loan underwriters, and title companies (closing agents)
Identify customer needs and refer customers to business partners within retail banking division and across lines of business lines to colleagues who can best meet those needs.
Follow up on leads generated through personal efforts, branch referrals, marketing promotions, Virtual Sales, and Online. Achieve sales goals established for the position.
Conduct all Consumer/Mortgage loan solicitation, origination, processing, and closing within the regulations of ECOA, RESPA, and other regulatory requirements.
Prepare records and reports as requested regarding loan solicitation, origination, and closing activities
Cross-sell other Company products and services and refer customers to other colleagues for further cross-sell opportunities according to cross-sell standards established for the positions.
Promote loan programs primarily by collaborating with internal colleagues and referral sources.
High School or equivalent combination of education and experience , Required
Less than 2 years Residential loan origination, consumer lending, processing or credit experience with a financial institution or mortgage banker/broker, Required
Verbal Communication ,
Written Communication ,
Operate Office Equipment ,
Microsoft Office ,
Customer Relations ,
Ability to Multi Task and Prioritize ,
Other: sales ,
General Physical Condition
No unusual physical effort, strain, or discomfort
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