Community Mortgage Loan Officer

Company: Regions Financial Corporation
Location: Charlotte
Posted on: November 26, 2022

Job Description:

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.

Job Description:

At Regions, the Mortgage Community Officer establishes relationships with nonprofit housing groups, state and local housing offices, and community-based affordable housing organizations to generate and increase mortgage lending opportunities - particularly opportunities that support Regions' efforts to meet its goals relating to the Community Reinvestment Act ("CRA") and underserved consumers. This role will focus on originating residential mortgage loans to consumers with low-to-moderate income (as identified by the Department of Urban Housing and Development) and/or secured by property located in low-to-moderate income census tracts. This will include outside sales efforts and use of Regions' network of branches. Responsibilities include qualifying customers, submitting applications, and facilitating essential communication between parties throughout the process.

Primary Responsibilities

• Increases mortgage loan volume, primarily focusing on underserved communities and low-to-moderate income consumers and geographies, through effective selling
• Promotes the Bank's CRA efforts and generates residential mortgages in targeted areas
• 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
• Partners with state, local and county down-payment-assistance programs
• Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations
• Advises customers on the mortgage loans that are appropriate for their individual financial circumstances
• Develops leadership abilities in the community when it comes to mortgages and mortgage knowledge
• Builds and deepens relationships with industry-specific centers of influence, such as real estate agents and contractors
• Maximizes the bank's resources to assist in selling and establishing relationships
• Cross-sells bank products at each mortgage closing
• Structures loan to comply with acceptable lending practices and Federal regulations
• Complies with all appropriate bank policies and regulatory guidelines
  This position requires the tracking of time and is eligible for overtime for hours worked in excess of 40 per week under the Fair Labor Standards Act.
  
  This position is incentive eligible.
  
  This position requires registration with the Nationwide Mortgage Licensing System and Registry (NMLS). Please refer to for more information.
  
  Requirements
  
  
• High School Diploma or GED
• One (1) year of mortgage lending experience with proven mortgage production
  Preferences
  
  
• Bachelor's degree
• Prior mortgage experience in developing external business relationships
  Skills and Competencies
  
  
• Good organizational skills
• Knowledgeable of Mortgage products, systems, terminology, tax requirements, down payment assistance programs, etc.
• Knowledgeable on agency and investor regulations and guidelines
• Must be able to build and maintain internal and external relationships to deliver high levels of service
• Must be able to multi-task competing priorities and meet tight deadlines
• Proficient in Microsoft Office products
• Sales acumen
• Strong written and verbal communication skills
  This is the same position previously titled "Mortgage Community Loan Officer".
  
  Position Type
  
  Full time
  
  Benefits Information
  
  Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.
  
  
• Paid Vacation/Sick Time
• 401K with Company Match
• Medical, Dental and Vision Benefits
• Disability Benefits
• Health Savings Account
• Flexible Spending Account
• Life Insurance
• Parental Leave
• Employee Assistance Program
• Associate Volunteer Program
  Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser.
  
  
  
  Location Details
  
  Charlotte Uptown
  
  Location:
  
  Charlotte, North Carolina
  
  Bring Your Whole Self to Work
  
  We have a passion for creating an inclusive environment that promotes and values diversity of race, color, national origin, religion, age, sexual orientation, gender identity, disability, veteran status, genetic information, sex, pregnancy, and many other primary and secondary dimensions that make each of us unique as individuals and provide valuable perspective that makes us a better company and employer. More importantly, we recognize that creating a workplace where everyone, regardless of background, can do their best work is the right thing to do.
  
  OFCCP Disclosure: Equal Opportunity Employer/Disabled/Veterans
  

Keywords: Regions Financial Corporation, Charlotte , Community Mortgage Loan Officer, Other , Charlotte, North Carolina