Consumer and Mortgage Relationship Manager

Job Title:   Consumer and Mortgage Lending Relationship Manager

FLSA Status: _x__ Exempt     ___ Non-Exempt                                          Job Code: 527

EEO Job Category: 1                                            Reports to: SVP of Consumer Lending

Job Grade: 18                                                                          Revision Date:        2026

Basic Function: The primary responsibility of the Consumer and Mortgage Lending Relationship Manager is to create relationships with new and existing customers to meet their overall lending needs that are appropriate for their individual situation. They guide borrowers through the financial process, verify credit and assets, and recommend loan products based on client needs.

Essential Duties & Tasks:

Lead Generation & Client Advising: Cultivate leads, interview prospective borrowers, and match them with appropriate consumer and mortgage loan products.

 Document Processing: Collect and verify sensitive financial documents, including tax returns, pay stubs, and bank statements to satisfy underwriting requirements.

 Pipeline Management: Monitor the loan origination process from application to closing. Maintain communication with underwriters, processors, and third-party appraisers.

 Regulatory Compliance: Adhere to state and federal lending laws, including the SAFE Act and Truth in Lending Act, and maintain NMLS (Nationwide Multistate Licensing System) registration where required.

 Cross-Selling: Strength client relationships by recommending other bank products, such as wealth management, credit cards, and insurance. Additional duties as assigned.

Knowledge, Skills and Abilities:

• Knowledge of banking products and services, including loan and compliance regulations.
• Effective communications skills, oral and written.
• Experienced in the use of appropriate lending software and other computer applications.
•    Ability to analyze financial documents.
• Attend ongoing continuing educational opportunities.
• Ability to multi-task and work under pressure constraints and deadlines.
• Excellent organizational skills.

Education, Training & Experience

• High School diploma required.
• Preferred bachelor’s degree in business, finance, or accounting.
• 1 to 3 years of banking experience.
• Consumer and mortgage lending experience required.
• Mortgage loan originators must be licensed and register with the NMLS to meet federal SAFE Act requirements.

Physical & Mental Requirements:

• Written comprehension, close vision work, information order, oral expression and comprehension, mathematical reasoning, deductive reasoning.
• Knowledge of computer software.
• Communicating with peers, supervisors, directors and subordinates.
• Analyzing data.
• Ability to sit for long periods of time and meet deadlines with accuracy.
• Organizing, planning and prioritizing work.

Working Environment: Professional Office Environment, travel to client offices, attorney offices and/or properties.  Flexibility to meet customers at all times of the day and week for appointments.

EOE/M/F/Vet/Dis