Mortgage Credit Analyst jobs in Bremerton, WA

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Job Summary

The Mortgage Banker proactively solicits new consumer mortgage business and originates a high-quality loan for the Bank’s portfolio that meets both compliance standards and established production goals.  Compensation will be a salary plus commissions based on funded loans.

Mortgage Bankers reflect the corporate values and ethics of WaFd Bank and exhibits leadership in the following areas: sales effectiveness and a focus on production; marketing WaFd Bank in the broader community; providing a high quality customer experience;  building and maintaining productive relationships within WaFd, with new and existing clients, Realtors, builders, brokers and title companies; registering and maintaining active status with the Nationwide Mortgage Licensing System and Registry (NMLSR); and originating mortgage loans within the assigned geographic area.  Wafd Bank is proud of the high value that we all place on simply being kind when serving our co-workers and Wafd Bank clients.

Key Functions:

• Originates loans by completing loan applications interviews with prospective clients and discussing loan options to best meet clients’ needs.
• Collects, documents and analyzes financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan request.
• Complies with laws, rules and regulations, avoiding any real or perceived conflicts of interest.
• Applies proper pricing and mitigates risk with additional pricing when appropriate.
• Maintains a portfolio of industry contacts that consistently contribute to the overall monthly production of the Division and meets the expectations set by Management.
• Develops and maintains close working relationship with assigned branches to develop and build deposit relationships with new mortgage clients.
• Refers any commercial, small business, deposit and HELOC business to assigned network of branches or as appropriate within the Bank.
• Performs property inspections as neede
• Other duties deemed necessary in order to deliver products or services in a quality client experience to the prospect, current client, and other Bank colleagues.

• Proactively works with Retail branch colleagues to deepen client relationships and acquire personal deposits and primary transaction accounts to meet specific expectations.
• Share lists of area builders with commercial peers for promotion of the Bank’s All-in-One and spec construction products and may be assigned to originate Small Builder Loans.
• Promote mortgage loans for buyers of the group builder’s spec homes via the Bank’s Builder Special program.

• Proactively seeks new business relationships.
• Maintains current information regarding competitor’s fees, and pricing.
• Uses competitor information to promote the advantages of WaFd Bank products to prospective clients.