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Mortgage Banker

CenterState Bank Port St. Lucie, FL Full-Time
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Revised 08/2018

Job Description


Position Title:  Mortgage Banker

Division:  Residential

Reports Directly To:  Department Head


This position is responsible for, but not limited to, soliciting and originating mortgage loans from sources both inside and outside the bank while ensuring high quality customer service and maximum profitability.


This position is expected to perform the specific duties, tasks, and responsibilities as outlined below:

  • Interview loan applicants

    • Collect and analyze information regarding customer income, assets, investments or debts

    • Determine which bank product best fits the customer’s needs

    • Provide advice to customer regarding advantages and disadvantages of different products

  • Knowledge of Fannie Mae/Freddie Mac guidelines as well as government products

  • Makes preliminary determination of applicant’s credit worthiness and has the authority to issue prequalification statement of borrower’s eligibility

  • Call on realtors, builders, community development corporations and other potential mortgage customers to establish relationships for loan referrals

  • Handle processing of loan request in accordance with bank policy and applicable regulatory requirements as well as secondary market criteria and guidelines

  • Adhere to Quality Customer Service parameters; Conform with and abide by written policies and procedures for the bank

  • Participate in community events and real estate industry functions to identify, develop and promote additional business

  • Attend training on all residential lending products, may require travel

  • Advice management of new products offered in the market to ensure the bank remains competitive

  • Promote and cross-sell other bank products

  • Perform other work-related duties as assigned by supervisor

  • Expertise in mortgage products and services as well as regulatory guidelines

  • Excellent problem-solving skills to identify client needs and resolve problems

  • Must have a high level of interpersonal skills to effectively communicate policies, procedures and objectives effectively throughout the bank and to represent the bank positively to the public

  • Must be able to quickly and effectively respond to customer inquiries and requests in demanding environments

  • Capable of handling customer and employee contact situations tactfully and professionally

  • Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with

  • Provide assistance to other employees by liaising with them through healthy and positive interactions

  • Be involved in performing marketing endeavors/efforts

  • Continuously update skills by participating in professional training

  • Seek opportunities to improve skills through cross-training offered by the Bank

  • All other tasks, responsibilities or duties, as directed by management


  • Must have strong communication skills characterized by excellent writing and speaking skills

  • Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department

  • Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank

  • Must have good knowledge of business English, including spelling and punctuation

  • Must possess basic English language skills in order to write and speak clearly, and effectively with coworkers and customers

  • Must be well-organized, accurate, and attentive to detail

  • Must be cooperative and willing to assist coworkers and customers on a regular basis

  • Must have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others

  • Must possess excellent multi-tasking skills and be able to function well under pressure

  • Must be able to remain composed under pressure and respond to customer and coworker concerns regularly

  • Must have a keen eye for detail and follow instructions to the letter

  • Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times


  • Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each work day

  • Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift

  • Must be able to walk frequently throughout the day

  • Must be able to hear and communicate with coworkers and customers throughout the day

  • May need to lift up to 25 pounds one to two times a day to perform job

    The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Position may require regular before/after normal business hours, or regular out-of-town travel.


  • Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank’s grooming and dress codes

  • Must demonstrate excellent interpersonal skills with customers and coworkers

  • Must be willing to function as a team member

  • Must be willing to demonstrate commitment to CenterState Bank’s mission and goals


  • Bachelor’s degree or equivalent work experience

  • Minimum two years mortgage origination experience with a thorough knowledge of standard concepts, practices and procedures

  • Must have strong analytical skills to perform thorough, detailed and independent examinations of all loan documents

  • Relies on in-depth experience and judgment to plan and accomplish goals.  Works under limited or no supervision

  • Requires strong knowledge of personal computer, Microsoft Office and other software used in department
  • Must be able to prepare documents and compose business letters and memorandums
  • Must have good knowledge of business English, spelling and punctuation
  • Requires knowledge of office practices, procedures and general office machines

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.  The requirements listed above are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.  Individual abilities may result in some deviation from these guidelines.

CenterState complies with federal and state banking laws, such as the Bank Secrecy Act (BSA), USA PATRIOT Act, and other related anti-money laundering/anti-terrorist financing initiatives.  The Bank has established a Bank Secrecy Act/Anti-Money Laundering/Office of Foreign Assets Control (BSA/AML/OFAC) Compliance Program and employees are expected to adhere to federal and state banking laws, as well as the Bank’s procedures and/or internal controls. The Bank will terminate the employment of employees who fail to comply with banking laws and/or the Bank’s procedures/controls.


CenterState Bank is an equal opportunity employer and does not discriminate against applicants or employees on any unlawful basis, including race, color, religion, gender, sexual orientation, marital status, age, national origin, ancestry, gender identity, disability, genetic testing, service in the military, citizenship status or any other characteristics protected by federal, state or local law. CenterState also prohibits unlawful harassment of applicants/employees based on these protected categories.


CenterState complies with The Americans with Disabilities Act (“ADA”) and state and local disability laws and will provide reasonable accommodations to qualified individuals with disabilities, unless doing so will cause an undue hardship. The Bank encourages employees/applicants who believe they need reasonable accommodations to contact the Human Resources Department at




I have received and reviewed a copy of the attached Job Description.  I understand that I am expected to perform the duties of this position, and, in the event that I am unclear about the position’s requirements, I will contact my supervisor or Human Resources as soon as possible for clarification.


Printed Name                                                                                                                                                    Date




Recommended skills

Lending Products
Mortgage Loans
Interpersonal Skills
Active Listening
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