Job Description

The Senior Personal Banker is a sales agent responsible for acquiring, managing, and retaining client relationships. This role uses financial knowledge to explain and sell banking and mortgage products, provide support to customers, prospects, and REALTORS, match clients to appropriate solutions, and develop sales initiatives to meet business objectives.

Essential Responsibilities:

• Develop and execute a strategic work plan for marketing with FirstBank branch network, managing relationships with realtors and prospecting new clients.
• Build new relations with REALTORS, attend branches referrals, participate in seminars, product orientations and marketing promotions. Identify sales opportunities in assigned market segment. Contact existing or new Realtor as the lender who will be assisting the customer and provide your direct dial information.
• Initiate and maintain contact with client throughout the processing period to ensure our service has continued to meet their needs, conveying the appropriate level of urgency and professionalism so that all expectations are exceeded. Follow up clients within the term established to ensure quality service.
• Organize and participate in activities with potential companies, conventions, and visit clients with branch manager, special events and/or activities.
• Maintain leads updated in the Velocify System. Promptly answer all phone calls and lead opportunities.
• Interview customers and evaluate financial eligibility. Analyze all prospects' customer information (income, expenses, credit) to perform preliminary determination eligibility of loan type. Identify cross selling opportunities for other FirstBank products and services.
• Provide electronic content, encourage use of e-consent to facilitate a timely closing of the loan, fully explain the loan estimate (LE), and obtain intent to proceed, and initial documentation.
• Support customer on selection of most convenient financing decision as per established needs.
• Gathers all loan pre-qualification documents needed and requests payment for the origination process
• Compile and organize all clients’ information needed, according to type of loan requested, and execute the processing of documents to accelerate the approval process. If necessary, visit customer to complete the required information.
• Collect initial service provider fees, prepare receipts, and forward payments to the accounting unit.
• Support management as requested, assist other First Mortgage units as required, and complete special projects or assignments.
• Handle loan closings when assigned.
• Travel within business market locations, including the British Virgin Islands, as required.
• Perform other duties as assigned.

Independence of Judgment:
This position operates under the direction and guidance of management and exercises a moderate level of discretion within established policies, procedures, and regulatory guidelines.

Supervisory Responsibilities:
This position has no
direct supervisory responsibilities.

Functional Competencies:

• Strong written and verbal communication skills for reports, presentations, and professional interactions.
• Ability to prioritize tasks, manage deadlines, and coordinate resources effectively.
• Ability to handle sensitive financial and customer information responsibly and maintain confidentiality.
• Proficiency in Microsoft Office tools, banking software, data security protocols, and digital platforms required to perform job responsibilities.
• Ability to respond effectively to changing regulations, market conditions, and organizational needs.
• Ability to understand and respond to internal and external client needs in a timely and professional manner.
• Knowledge of applicable laws, regulatory compliance requirements, and other financial regulations.

Competencies:

• Anticipate and provide
  service excellence to both internal and external customers.
• Establish, sustain, and
  foster both internal and professional contacts to build, enhance and connect
  to Firstbank services.
• Deliver clear, effective
  communication and take responsibility for understanding others.
• Understand how the
  organization works, including, current and future policies, practices, and
  trends.
• Identify problems and
  conduct appropriate analysis involving others to search for the best
  solution.
• Take initiative and assume
  personal accountability for goals, outcomes, and deadlines.
• Understand the
  organization’s vision and uphold the values in everyday work and actions. At
  higher levels take long-term view and share with others the vision and the
  organization path ahead.
• Provide direction and
  leadership to help teams achieve goals and operate cooperatively.
• Demonstrate curiosity for
  learning and perform activities to make the most of their skills and boost
  potential in self and others.
• Create a view of change as
  an opportunity and inspire others. Look for new ways to experiment with new
  ideas and approaches.

Impact of Errors:
Errors in fulfilling job responsibilities may affect administrative, operational, and business functions and may have a considerable economic impact. Errors may result in regulatory violations and negatively affect business operations, strategic results, the bank’s image, and relationships with regulatory agencies, clients, and the community.

Physical Demands:
The physical demands described are representative of those required to successfully perform the essential functions of this role. Reasonable accommodations may be made. Specific vision abilities include close and distance vision. The employee is regularly required to sit, stand, walk, use hands and fingers, talk, and hear. Travel may be required.

Minimum Requirements:
Bachelor’s degree in Finance, Economics, or a related field, or a high school degree combined with applicable experience that provides the necessary skills to perform the job.

Three to five years of experience in the mortgage business or residential mortgage lending with a focus on generating business is required. An equivalent combination of education and experience may be accepted.

Regulatory/Licensing Requirements:
Employee in this
role must comply with all requirements related to the Secure and Fair
Enforcement Mortgage Licensing Act of 2008 (SAFE Act) and its corresponding
regulations. This includes but is not
limited to obtaining and maintaining an active record and a unique identifier
within the Nationwide Mortgage Licensing System and Registry (NMLSR), continuing
to meet active record guidelines and associated minimum register
standards. This includes any applicable
continuing education courses set forth by the SAFE Act.

Disclaimer:
The above statements describe the general nature and level of work performed by individuals in this position and are not intended to be an exhaustive list of responsibilities, duties, or skills. Reporting relationships may change based on organizational structure.

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