BankStar Financial is a locally owned bank, with a team of dedicated and talented individuals that work together to provide top-notch service to our customers. Our work matters to the people and places we care for most. We take pride in lifting and brightening peoples’ lives through good work, strong partnerships, and community involvement. We are looking for team members that are willing to demonstrate leadership by embodying the core values of the bank that include: accountability, flexibility, integrity, positivity, and teamwork.
Ensure that all customers and prospects receive outstanding service and timely follow up.
Develop and maintain knowledge of all mortgage products and rates within the bank and from the mortgage industry.
Lead the mortgage department, build, monitor, track sales pipeline, & provide monthly reports to management. Solicit, cultivate, and maintain relationships with prospects and customers, promoting business development.
Educate loan applicants about various residential mortgage loans and respond to inquiries for home mortgage financing on a timely basis. Identify needs, answer questions, and provide additional information to build relationships.
Liaison between customers, employees, referral partners, builders, and other vendors, serving as the primary contact during the “contact to contract” phase of the loan process. Conduct meetings to coordinate any follow-up items.
Gather financial information to assist with loan applications and underwriting process, prepare loan files, and assess applicants’ financial situation and eligibility. Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans and pre-qualify prospective buyers and counsel on financing options. Establish terms and conditions of an approved loan. Communicate loan decisions to all involved parties within established timeframes.
Process new mortgage loan applications, and input data into loan software as needed.
Complete tasks related to loan origination from application to loan closing.
Ensure all loan decisions are made within established time frames and in compliance with BankStar and secondary market lending policies. Must follow established rules, guidelines, procedures, and regulations related to these areas.
Make credit presentations to loan committee for loans exceeding lending authority.
Complete tasks related to loan administration related to closing documents, disbursing loan funds, collecting loan fees, administering loan payoffs, and other related duties.
Organize and maintain loan files to ensure all customer files are complete and in compliance with regulatory agencies and internal policies. Follow-up with borrowers or vendors to secure missing documentation and track final title policies, recorded mortgages, expiring insurance policies, and any other documentation related to the home mortgage process.
Maintain a delinquency and or charge off rate at or below branch/region expectations of loan portfolio.
Troubleshoot and resolve customer and internal inquiries in a timely, friendly, accurate manner.
Perform administrative tasks such as managing calendars, scheduling appointments, faxing, emailing, making telephone calls, and other various administrative duties.
Other duties as assigned.
Communication: Effective verbal and written communication skills. Communicate highly complex technical concepts to non-technical staff.
Relationship Building: Work dynamically across all departments and foster effective working relationships with staff, customers, and vendors.
Customer Centric: Customer service-oriented with exceptional sales skills.
Teamwork: Excel in a collaborative, team-oriented environment. Assist in incorporating new ideas, processes, and procedures into the workspace. Ability to work within a small team or an external party.
Planning & Organizing: Solid problem solving and decision-making skills while completing tasks with a high degree of accuracy. Prioritize work and pivot on tasks from multiple sources through self-direction and minimal supervision.
Managing Change: Incorporate new ideas, processes, and procedures into the bank and radiate positivity.
Responsibility: Willingness to assume responsibility, be accountable, and make independent decisions.
Problem Solving/Critical Thinking: Identify problems and determine accuracy and relevance of information. Use sound judgment to generate and evaluate alternatives, providing recommendations.
Technology: Attend training to ensure competent use of IT resources. Comply with appropriate bank Policies, IT Policies and Procedures, and Information Security Program. Give feedback on IT issues and experiences. Assist in any other IT related functions or committees as assigned.
Physical Demands: Intermittently remain in a stationary position for extended periods of time, and occasionally move objects weighing up to 25 pounds.
Equipment: Working knowledge of standard office equipment.
Ability to be NMLS registered, licensed, and qualified within 90 days.
Post-secondary degree in finance or business strongly preferred.
Lending experience, including real estate is strongly desired.
Microsoft Office skills.
Valid Driver’s License.
Additional Salary Information: This is a salaried, exempt position. Applicant's qualifications and experience will be taken into account.
About BankStar Financial
As a locally-owned bank, we do things differently because our work matters to the people and places we care for most. We take pride in lifting up and enhancing our communities through good work, strong partnerships, and community involvement. To us, that's what it means to Bank on the Bright Side.™
At BankStar Financial, our team makes a point to get to know customers by name so together we can find the banking solutions that meet their personal financial goals. We are also growing and thriving in our communities, and we are often looking for quality individuals to join our team. Our current branch locations are Elkton, SD; Brookings, SD; and Volga, SD.
BankStar Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.