Community Development Mortgage Loan Officer at Banner Bank

Sacramento, California, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Mortgage, Financial ServicesIndustries

Requirements

Ability to design market outreach programs ready for Land Trust and Housing Finance Agencies (HFA), including education and activities
Skills in managing and developing ongoing community campaigns with realtors, builders, financial planners, and other Centers of Influence (COIs) for homebuyer education and product training, focused on low to moderate income areas and first-time homebuyers
Capability to maintain a pipeline of CRA and non-CRA business, including AMP Mortgage transactions, state housing, and local down payment assistance programs, while serving all bank clients
Proficiency in developing business plans, implementing campaigns for prospects, current clients, past clients, and lead lists, and identifying new community campaign opportunities
Experience analyzing reports on pipeline management for compliance reporting, tracking CRA activity results, including lender targets for low to moderate income borrowers and community outreach impact
Ability to identify support needs, manage vendor lead distribution, conduct independent research on competitive conditions (price, service, programs) focused on CRA development for low to moderate income borrowers/communities, and create ongoing training
Knowledge to assist in branch support for product questions, cross-training programs, CRM and pipeline management, and onboarding new mortgage lenders to meet market penetration goals in low to moderate income communities
Capacity to promote home ownership through community outreach, demonstrate inclusive marketing, conduct first-time home buyer classes, host booths at non-profit events, and achieve lending origination goals in minority/diverse regions
Skills in organizing outreach to organizations representing the ethnic makeup of the market area to promote lending capabilities and understand market needs, while working with the compliance department

Responsibilities

Support the local area mortgage production team in CRA-specific market outreach and community education opportunities targeted at low to moderate income borrowers and areas
Collaborate with industry (realtors, builders) and non-industry (local employers, non-profits) groups via marketing activities and bank-approved opportunities
Maintain a pipeline of CRA and non-CRA business, including AMP Mortgage transactions, state housing, and local down payment assistance programs, while serving all bank clients with Banner Bank mortgage products
Develop and implement a business plan with campaigns for prospects, current clients, past clients, and lead lists; identify new opportunities for community engagement
Analyze pipeline management reports for upstream compliance reporting on CRA activity results, including lender targets for low to moderate income borrowers, production, and impact
Manage vendor lead distribution, research competitive conditions in markets (focused on CRA for low to moderate income), and create ongoing training
Assist branches with product questions, cross-training, CRM/pipeline management, and onboarding new mortgage lenders to exceed market penetration in low to moderate income communities
Promote home ownership via community outreach around the designated branch, including inclusive marketing, first-time home buyer classes, booths at non-profit events, and developing leads/loans/relationships
Achieve lending origination goals in minority/diverse regions; organize outreach to relevant organizations and work with compliance department

Skills

Key technologies and capabilities for this role

Mortgage ProductionCommunity OutreachCRA ComplianceMarket OutreachHomebuyer EducationPipeline ManagementMarketing ActivitiesCOI Development

Questions & Answers

Common questions about this position

Is this a remote position or does it require in-office work?

This information is not specified in the job description.

What is the compensation structure for this role?

This information is not specified in the job description.

What key skills or experiences are required for the Community Development Mortgage Loan Officer role?

Key responsibilities include designing market outreach programs for low to moderate income areas, managing community campaigns with realtors and builders, maintaining a pipeline of CRA and non-CRA mortgage business, developing business plans for campaigns, and analyzing pipeline reports for compliance.

What is the company culture like at Banner Bank?

Banner Bank emphasizes core values of listen, learn, and help businesses and individuals reach their goals, fostering an outstanding workplace culture that earned Great Place to Work Certification and recognition as one of Forbes' Best 100 Banks in America for nine years.

What makes a strong candidate for this position?

Strong candidates will have experience in mortgage production, community outreach targeting low to moderate income borrowers and first-time homebuyers, collaboration with realtors, builders, and non-profits, and skills in pipeline management, business planning, and compliance reporting for CRA activities.

Banner Bank

Provides banking services and financial products

About Banner Bank

Banner Bank provides a variety of financial services to individuals and businesses in the Western United States, including checking and savings accounts, loans, mortgages, and investment services. The bank operates over 200 locations across Washington, Oregon, California, and Idaho, managing assets of more than $12.6 billion. Its products work by offering tailored financial solutions and expert guidance to meet the specific needs of each client, ensuring personalized service. Unlike many competitors, Banner Bank emphasizes quality, teamwork, and community involvement, which has earned it accolades such as being named the Best Bank in the Pacific Region by Money Magazine and receiving a five-star rating from Bauer Financial for financial strength. The goal of Banner Bank is to provide exceptional financial services while fostering strong community ties and ensuring customer satisfaction.

Walla Walla, WashingtonHeadquarters

1890Year Founded

IPOCompany Stage

Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Unlimited Paid Time Off

Paid Vacation

Paid Sick Leave

Paid Holidays

401(k) Retirement Plan

401(k) Company Match

Tuition Reimbursement

Risks

Increased competition from digital-only banks may erode market share.

Rising interest rates could decrease loan demand, affecting revenue.

Evolving cybersecurity threats pose risks to customer data security.

Differentiation

Banner Bank emphasizes community involvement and personalized customer service.

The bank has been recognized as one of America's Most Trustworthy Companies.

Banner Bank offers tailored financial solutions to meet diverse client needs.

Upsides

Banner Bank's focus on ESG practices attracts environmentally conscious customers.

The bank's strong community ties enhance customer loyalty and brand reputation.

Recognition as a trustworthy company boosts customer confidence and retention.

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