Mortgage Lender

Position Purpose:

Responsible for business development and growth of residential loans and bank products.

Job Duties and Responsibilities:

• Make outside sales calls to potential and existing customers to develop new business and retain current business.
• Develop and maintain relationships with local realtors, developers, and builders to encourage use of Firstar Bank services for residential mortgages.
• Generate Mortgage Loans to achieve established loan quality and production goals.
• Interview applicants and requests information needed to perform a sound review of the applicant qualifications.
• Request applicant credit records, background checks, reference checks and other information pertinent to loan applicant’s evaluation as necessary to meet investor requirements.
• Coordinate closing arrangements with the title company, applicant and other parties to assure timely loan closing and funding activities.
• Maintain knowledge of and provide guidance on bank products and services appropriate to customers.
• Stay current with FNMA underwriting guidelines, current regulatory guidelines and new loan programs.
• Obtain and maintain NMLS license.
• Provide quality service to all customers.
• Maintain confidentiality of all customer and employee information.
• Set production goals to meet budget requirements for year.
• Direct and supervise Mortgage Processor(s) to see that lending guidelines and compliance are followed with each loan.
• Make sure all training, education, and license requirements are met by direct reports.
• Perform annual reviews and salary evaluations for direct mortgage staff.
• Manage Pipeline to ensure files are being closed on a timely basis.
• Represent Firstar Bank in various civic and community functions to further enhance its image and develop or promote additional business/consumer relationships.
• Complete required annual training and maintain knowledge relevant to the role.
• Participate in bank and community initiatives to strengthen visibility and reinforce Firstar’s commitment to the communities it serves.
• Perform additional responsibilities as assigned in support of the Bank’s priorities and objectives.

Qualifications

Skills and Abilities Required:

• Thorough understanding of mortgage lending principles and practices as well as knowledge of government/compliance regulations.
• Advanced financial analysis skills, strong negotiation and sales skills.
• In-depth knowledge of credit analysis.
• Well-organized and good time management skills.
• Ability to be proactive and positive when building relationships with customers.
• Comfortable with working in a team environment.
• Excellent written, verbal, and presentation skills.
• Ability to work independently, without close supervision, in a fast-paced environment.
• Interpersonal skills with all levels of the organization to include coaching and management.
• Proficient computer skills – Microsoft Office Suite.

Experience and Education Requirements:

• Mortgage/residential experience is preferred, but not required.
• Outside sales experience preferred.
• Bachelor’s degree or equivalent years of experience.

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer, with occasional standing and walking throughout the office.
• Occasional bending, reaching or stooping as needed to retrieve files, office supplies, or materials.
• May occasionally lift and/or move items up to 25 pounds (e.g., files, office supplies, packages.)
• Requires the ability to communicate effectively, including the use of visual acuity for reviewing documents and screens and auditory ability for conversations in person and by phone.

Core Values in Action:

• Integrity: Leads by example with ethical decision-making, honesty, and accountability.
• Trust: Builds confidence through transparent communication and consistent follow-through.
• Respect: Treats others with kindness, professionalism, and appreciation for diverse perspectives.
• Better Together: Fosters collaboration and teamwork to achieve shared goals through strong, trust-based relationships.
• Client & Community Focused: Puts clients and community first through responsive service and meaningful engagement.

Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets