At INTRUST Bank, People Come First. Guided by strong character qualities—such as respect, compassion, humility, positivity, and initiative—we work to support one another, serve our customers, and strengthen our communities. Here, your career matters. You’ll find an environment where you’re encouraged to grow, empowered to lead at any level, and supported as you build a meaningful career with a trusted organization.
Job Summary: Originates permanent FHA/VA and conventional residential mortgage loans and participates in related business development activities. Solicits residential mortgages through contacts with Realtors, builders, and developers. Provides fee income through mortgage loan originations. Develops and maintains banking relationships with residential mortgage customers. Markets bank products to existing and prospective bank customers. Promotes an environment of teamwork within the department and across the bank. Represents INTRUST Bank in all they do in the community and is focused on the development of new business relationships. Must maintain strict standards of confidentiality and perform duties in a manner supporting INTRUST’s character qualities.
Essential Functions:
- All expectations described in the job description’s essential functions are necessary to be successful in this role, performed with or without a reasonable accommodation.
- Interview applicants to assimilate financial information concerning their personal needs.
- Provide applicant with initial required disclosures and re-disclosures in the correct timeframe mandated by regulations.
- Obtain and analyze proper financial and credit data to determine applicant’s capacity to repay.
- Provide applicant with initial pre-qualification letter.
- Conducts credit checks and negotiates terms and conditions of loan.
- Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers.
- Keeps informed of trends and developments in the local real estate markets, as well as the changing rules and regulations pertaining to both private and government-insured mortgages.
- Stays informed of loan programs and interest rates.
- Attends mortgage loan closings.
- Review pipeline to ensure that customer closing expectations are met and that expired, canceled, denied, or withdrawn files have the appropriate action taken in a timely manner.
Education and Experience: Bachelor’s degree in Business, Finance, or Accounting. Position requires minimum of 5 years Residential Real Estate Origination experience.
Required Skills and Knowledge: Demonstrated understanding of mortgage processing, underwriting and closing procedures. Knowledge of conventional and government lending guidelines. Understanding of Federal Regulations governing Real Estate Lending.
Required Licenses and/or Certifications: Nationwide Mortgage Lending System (NMLS) Registered or ability to meet qualifications for registration.
Physical Demands: Extended period(s) of time may be spent viewing a personal computer, sitting, standing, and walking. Occasional lifting up to 25 lbs. The physical demands necessary for this role should be performed with or without a reasonable accommodation.
Working Conditions: Normal office conditions.
This job description summary is not intended to be an employment contract, nor is it intended to state or imply these are the only activities to be performed by the employee occupying this position. Employees will be required to follow any other duties as assigned or requested by their supervisor.
INTRUST Financial Corporation and its subsidiaries, including INTRUST Bank, are Equal Opportunity Employers whose policy is not to discriminate unlawfully against any qualified employee or applicant for employment on the basis of protected military or veteran status, disability, race, color, religion, sex, age, national origin, pregnancy, genetic information, sexual orientation, gender identity, or any other classification protected by applicable local, state or federal law; except where an individual’s protected category constitutes a bona fide occupational qualification.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
