QUALIFICATIONS, SKILLS, AND ABILITIES:

• Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment
• Bachelor’s degree in finance, accounting, economics, marketing, business administration, or related field
• Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required
• Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures
• Excellent business development, mortgage, marketing, sales, customer relations, project management, leadership, and organizational skills; superior interpersonal, relationship management, research, and analytical abilities; strong financial reviewability.
• Ability to establish credibility, respect, be decisive, establish good business and working relationships with customers, managers, officers, associates, business development and sales professionals, vendors, etc.
• Strong problem solving, team building, planning, persuasive, and negotiation skills; effective oral and written communication, presentations, collaboration, and facilitation skills; superior customer service, listening, probing, and follow-up skills.
• Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker, service-oriented, and good leadership qualities.
• Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure.
• People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities.
• Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes.
• High integrity with the ability to handle confidential matters with proven ability to protect and maintain the highly confidential nature of the company, customer, employee, business development, marketing, sales, and other confidential related information; ability to function in a team and fast-paced environment.
• Ability to display a high degree of creativity and latitude when performing job functions.
• Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities.
• Ability to readily adapt to change and champion the need for change; has a passion for business development, sales, marketing, other related functions; enjoys working in a team atmosphere.
• Proven ability to develop profitable new business, close business deals and transactions, successfully sell banking products and services.
• Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office (Word, Excel, Outlook, Access, PowerPoint, & Publisher), and Internet Explorer.
• Demonstrated career achievements and academic excellence.
  Must be mature, flexible, and energetic with a competitive and winning spirit.

Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following:

• Medical, Dental, Vision, and Prescription
• 401(k) Retirement Plan
• Life Insurance
• Accidental Death & Dismemberment
• Short&/Long Term Disability
• Flexible Spending Plan
• Paid Time Off, Vacation, and Holiday Pay

• Tuition ReimbursementEmployer Assisted Housing Program

RESPONSIBILITIES INCLUDE BUT ARE NOT LIMITED TO THE FOLLOWING:

• Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions
• Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank
• Screens mortgage loan requests; educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations
• Obtains required information and documents from prospective loan clients and analyzes financial and credit data
• Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner
• Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers
• Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank
• Hosts and conducts homebuyers related seminars and educational sessions
• Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank’s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations
• Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives.
• Maintains a sound working knowledge of all products, services, and solutions offered by the bank, its subsidiaries, strategic alliances, third-party vendors, and competitors. Stays abreast of all aspects of banking, business development, new banking trends, banking laws and regulations, developments, practices, and programs.
• Demonstrates commitment to excellence; consistently provides superior customer service to all internal and external customers, vendors, service providers, and prospective customers; checks and promptly responds timely to all voice mail messages, e-mails, referrals, customer requests, and complaints received.

Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards. Promotes a positive attitude and team approach to customer relationships.

• Develops and executes business development and strategic plans for meeting production and sales goals and objectives; assists with marketing and public relations-related functions, projects, and efforts.
• Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions.
• Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals and those which are not being addressed adequately at the management l
• Protects customers’ information and interests; identifies and complies with all legal requirements, government and banking laws, regulations, and reporting affecting job, business development, sales, and related functions; adheres to all bank policies, procedures, processes, reporting, guidelines, training requirements, and expectations.
• Proactively utilizes the bank’s customer relationship system, tools, programs, and other resources to meet goals and objectives.
• Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested.
• Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand.
• Collaborates and cultivates effective relationships with all business lines for excellent results; obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment.

Exceeds all established performance and position’s goals, objectives, and expectations.
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OTHER DUTIES AND RESPONSIBILITIES:

• Exhibits initiative and demonstrates a sense of urgency; prioritizes work assignments and projects, reacts to opportunities, instills urgency in others, and meets deadlines.
• Responsible for exercising sound independent judgment and discretion while making profitable and solid decisions.
• Assists department staff, management, and associates in understanding financial market performance trends, associated market risks, and opportunities for the bank.
• Takes advantage of continuing education and training opportunities to enhance skills, knowledge base, and experience level.
• Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately.Performs other duties and responsibilities as assigned.