osage-beach Work Opportunities ∙ Page 1

Use industry knowledge to assist prospects and existing customers with qualifying and converting application opportunities to closed HELOC loans and residential mortgage loans. Interview potential clients, assist them in selecting the appropriate loan product, assemble the information and documents required to ensure the process is smooth and the customer is satisfied. Required to engage in business development activities and sales calls outside of the employer’s offices.

Participate in the Bank’s STEP program by achieving an acceptable number of cross sales of other banking services. Develop long-term relationships with clients and referral partners, creating a database that will allow for continuous marketing “touch points” over time. Provide excellent mortgage planning and financial counsel and ensure that reports and client documentation are accurate and done in a timely manner.

Remain abreast of all regulatory, ethical and employer requirements and abide by them in all aspects of the work performed. Conduct relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Build, grow, maintain and systematically utilize an ongoing database of clients, referral partners and prospects for continuous efforts to “touch” clients and referral partners in order to generate mortgage sales. Convert mortgage loan prospects to closed loans using a consultative sales process which simultaneously meets the client needs, results in a loan origination/closing and enhances the long-term relationship between the Bank and the client. Know and successfully apply the principles of: a) Mortgage lending product knowledge b) Compliance c) Loan documentation d) Fiscal literacy e) Deal structuring for the customer’s benefit f) Computer technology

Make sales calls to existing clients, database and referral sources to expand existing business and develop new business. Establish and implement other marketing strategies as may be required, including but not limited to letters to past customers and soliciting internal referrals from our other lines of business partners. Be responsible for timely submission of required borrower documentation for origination of residential mortgage loans from said borrower.

Complete mortgage application for submission to loan processing and underwriting departments. Evaluate loan requests, analyze financial data and determine qualification of collateral and customer credit history to structure loan to comply with acceptable lending practices and Federal Regulations. Build purposeful relationships with referral partners by: a) Consistently attending networking groups b) Consistently attending open houses and real estate related events c) Consistently visiting referral partners d) Becoming a community resource Utilize an effective personal time management system. Keep up to date with knowledge of real estate market trends on a local level.

Cross-sell other Bank retail and lending products as required. Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures, (i.e.: CRA, Fair Lending, etc.), evidenced by appropriate application of the regulations in day-to-day operations. Complete all necessary compliance training on a timely basis to include but not limited to BSA. Attend sales and departmental meetings and Bank events as required and perform other duties as may be specified from time to time. Complete or attend all required training.

Assist others as needed. May be assigned other duties and responsibilities. May be assigned work or training at other assigned locations.