Community Mortgage Banker

UMB Bank

Community Mortgage Banker responsible for promoting financial awareness and home ownership. Serving the credit needs of low to moderate income families and individuals within UMB footprint.

Posted 6/24/2026full-timeRemote • Montana • 🇺🇸 United StatesMid-LevelSenior💰 $44,790 - $79,020 per yearWebsite

About the role

Key responsibilities & impact

Represent UMB at community events and business development functions
Promote financial awareness and identify community needs to align with product and services
Establish and maintain referral relationships with community based organizations, internal partners, real estate agents and customers
Recommend product or services based on feedback from the community to enhance current credit offerings
Counsel and pre-qualify potential home buyers on credit and affordability
Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount and mortgage insurance to applicants
Provide necessary information and inform applicants of status with clear communication
Focus efforts to expand home ownership for first time buyers
Provide financial education trainings to serve the needs of the community
Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs
Structure and originate first mortgage loans and gather supporting documentation to meet federal, state and company regulations and policy and procedures
Promote bank wide products and programs that focus on the communities UMB serves

Requirements

What you’ll need

High school diploma or equivalence
3-5 plus years mortgage and banking experience
Any combination of education and experience which provides an equivalent background
Effective business communication skills, both verbal & written
Established time management and organizational skills
Ability to work independently, with strong initiative and reliability
Thorough knowledge of FHA, VA, CONV guidelines and real estate market in local area
Maintained current registration with the National Mortgage Licensing System Registry
Ability to obtain the required S.A.F.E registration at time of employment
Ability to travel and work outside of the office regularly

Benefits

Comp & perks

Paid Time Off
401(k) matching program
Annual incentive pay
Paid holidays
A comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage
Health savings, flexible spending, and dependent care accounts
Adoption assistance
An employee assistance program
Fitness reimbursement
Tuition reimbursement
An associate wellbeing program
An associate emergency fund
Various associate banking benefits

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

mortgage loanspre-qualification analysiscredit counselingaffordability analysisfinancial educationFHA guidelinesVA guidelinesCONV guidelinesreal estate market knowledgedocumentation gathering

Soft Skills

business communicationtime managementorganizational skillsindependenceinitiativereliabilitycustomer relationship managementcommunity engagementproblem-solvinginterpersonal skills

Certifications

high school diplomaS.A.F.E registration