Retail Jobs 2026 (Now Hiring) – Smart Auto Apply

About Working at Commerce

Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let's talk.

Compensation Range

Annual Salary: $22,890.00 - $38,850.00 (Amount based on relevant experience, skills, and competencies.)

About This Job

The main purpose of this job is to originate home loans. The primary focus will be to drive new sales within our available lending territory. Growth will likely include managing current client base; as well as, a plan of action to increase market share attracting new clients.

Essential Functions

• Network both with internal and external referral partners to build book of business (ie - realtors, builders, etc.)

• Visit Commerce branches within assigned geography on a weekly basis to meet with Commercial Bankers and customers to discuss mortgage products

• Manage production pipeline and documentation collection while coordinating with fulfillment team to ensure an efficient flow. Communicate between borrowers and referral partners.

• Analyze applicants' financial status, creditworthiness, and property evaluation to determine eligibility and feasibility of granting home loans

• Provide financing options and customize solutions by conducting a deep dive analysis of the application, credit profile, financials, etc. and ensuring options offered fit within the guidelines of the lending/sellers guide(s) by product type (FHA/VA, Conv, HELOC). Follow the ASK LISTEN SOLVE process of discovery and proposing options.

• Pre-underwrite file to obtain and analyze documentation, in a timely fashion, regarding employment, credit, income, assets and collateral. Verify documentation meets CMC/Investor/Agency Standards prior to submission to our operations partners.

• Adhere to CBI Code of ethics, Do not Call Regulations, Privacy and Opt-Out procedures, HMDA data collection, Suspicious Activity procedures, Adverse Action requirements, Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Commerce's pricing policies, and all Fair Lending policies and procedures

• Manage and deliver best in class client care to an active loan pipeline of up to 20 loans in a pre-funded status

• Manage and deliver best in class client care to an active lead pipeline of up to 150 clients utilizing lead management data base and all of its capabilities

• Timely communicate updates and requests to clients in accordance with current Service Level Agreements (SLA's) and compliance industry regulations. This includes but is not limited to standard policy-required applicant correspondence regarding needed file documentation, looming deadlines, general milestone communication points and decisions

• Maintain continual, consistent, and open communication with all appropriate parties to the transaction in accordance with current Service Level Agreements (SLAs) to ensure a timely closing that exceeds the client's expectations. Consistently document lead management system and loan origination system with client communications/expectations, timelines, next steps, action items, owners of the actions, loan condition needs

• When called upon, provide customer / conversion feedback to leadership team, marketing team, secondary marketing team and technology team

• Perform other duties as assigned

Knowledge, Skills & Abilities Required

• Intermediate knowledge of mortgage products

• Strong credit risk analysis and loan origination skills

• Ability to focus on customer's needs, both internal and external, to develop and sustain productive customer relationships ensuring the opportunity to increase products per household

• Develop and maintain collaborative relationships to facilitate and achieve corporate results

• Ability to achieve an exceptional level of technical and professional skills/knowledge in job-related areas; keeping abreast of current developments and trends in area of expertise

• Ability to take prompt and proactive actions to accomplish objectives

• Ability to maintain a valid driver's license and meet Commerce Bank's driving record criteria; ongoing employment may be contingent upon meeting all driving requirements

• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities

• Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills

• Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values

• Basic level of proficiency with Encompass, Blend, Microsoft Office Suite, Optimal Blue and Total Expert are preferred

Education & Experience

• Associates degree in business management/finance or equivalent combination of education and experience required. Bachelor's degree preferred.

• 3+ years lending experience required

For this position, Commerce Bank will review your motor vehicle driving record. If you express interest in and are considered for this position, you'll be asked to authorize our review of that record.

For this position, federal regulations require Commerce Bank to prepare an investigatory consumer report which will disclose credit history. If you express interest in and are considered for this position, you will be asked to authorize that report.

• Hybrid Schedule: In office 2 days per week

Level of role is determined by knowledge, experience, skills, abilities, and education

• For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Mortgage Banker - Retail & Senior Banker job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $22,890 to $38,850 annually. This position will be eligible for additional compensation through performance-based incentive plan(s) that will correspond to meeting performance goals.

#LI-Hybrid

The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.

Location: 1900 West Loop South, Houston, Texas 77027

Time Type:

Full time