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Mortgage Banker Private

Type de contrat



United States-California-Palo Alto



Métier / fonction


Postuler REF: 039691
What sets Bank of the West apart from other banks is our team members–they embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than 10,000 employees is vital to the success of our Bank. They reflect our modern western values—straightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity – an environment where team members are engaged, supportive of one another and enthusiastic about serving our customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the 6 strongest banks in the world. We offer opportunities across our diverse business lines – Retail Banking, Commercial Banking, National Finance, and Wealth Management.

Job Description Summary

Responsible for sourcing and originating first mortgage loans through traveling to, and building relationships with,
Wealth Management lines of business, high net worth borrowers, realtors, builders, financial professionals, bank
branches, past customers, and other non traditional sources. Strong ability to look at overall client(s) portfolio and
partner with Private Client Advisor to make recommendations. Also responsible for cross-selling bank products and
works to build the Bank's image and multiple customer relationships.

Essential Job Functions
  • Sources and obtains first mortgage inquiries from Wealth Management and high net worth clients using
    targeted marketing and/or advertising efforts. Serves as "product champion" for Wealth Management and as
    the primary resource to accrue and communicate product information.
  • Identifies all cross-sell opportunities to Private Client Advisors as part of client contact. Conducts presentations
    at branches, real estate office sales meetings, homebuyer's seminary or any other venue to solicit first
    mortgage business. Advises new and existing customers on various loan programs based on the customer's
    financial needs.
  • Interviews applicants to develop information concerning their needs, desires, and earnings to assist in
    determining whether the loan will be an acceptable risk to the Bank. Analyzes detailed financial and credit data,
    matching client needs with an appropriate loan program. Negotiates terms and conditions of loans with
  • Obtains and analyzes pertinent financial and credit data. Analyzes current rates and loan programs and
    provides accurate and timely information to customers.
  • Manages pipeline to ensure service standards and financial goals are met.
  • Develops knowledge of company products, policies and procedures, and underwriting requirements. Transact
    business in conformance with state and federal regulations such as, but not limited to RESPA, HMDA, and Fair
    Lending Practices.
  • Acts as liaison with borrowers/customers, other bank employees, outside entities (realtors, title and escrow
    officers, etc.) as well as other division staff, to facilitate a prompt, efficient closing of each loan.
Other Job Duties
  • Possess strong book of business with high net worth customers
  • Keeps informed on trends and development in the local real estate market, as well as the changing rules and
    regulations pertaining to both private and government-insured mortgages.
  • Consistently works in accordance to published department sales and service standards.
  • Consistently manages to prescribed personal and business unit sales plans as well as the overall strategy of
    Mortgage Banking.
  • Performs other duties as assigned.

Required Experience
  • Understands basic management approaches such as work scheduling, prioritizing, coaching and process
  • Typically requires broad job knowledge of technical or operational practices within assigned discipline.
  • Requires 5-7 years minimum experience in mortgage sales

  • Bachelor's Degree

Licenses & Certifications
  • NMLS

  • Prior experience, with proven results, in first mortgage sales and customer service preferred.
  • Financial products or services experience is highly desirable.
  • Strong consultative and interpersonal skills; and a high level of written and verbal communication skills.
  • Ability to service affluent customers lending needs, and goal orientated.
  • Strong team, client and service orientation as well as problem solving ability and understanding of basic credit
    and tax analysis skills.
  • Preferred documented retail residential mortgage funding of 60 units and $40 million in originations per year.

Equal Employment Opportunity Policy

Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.

Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.
Primary Location: United States-California-Palo Alto Job Type: Full-time Job: Sales
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