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Essential Duties and Responsibilities:
• Manages and leverages in-house referrals to engage in refinance and purchase opportunities. Follows up on leads to consult with clients to determine their needs, identify best financing options and pre-qualify as required.
• Originates residential mortgages and participates in related business development activities. Maintains quality and production goals set by leadership.
• Provides outstanding customer service to customers seeking residential mortgage loans. Answers inbound calls, makes outbound calls, handles customer inquiries and answers customer questions.
• Interviews applicants to obtain information concerning their needs and pertinent financial and credit data.
• Educates and advises clients on the home buying process. Ensures exceptional client experiences with ongoing communication throughout the entire loan process.
• Conducts basic analysis and income calculations for loan qualifications. Processes borrower credit, income and asset information through the Loan Origination System. Structures loans for borrowers, while maintaining and in-depth knowledge of conventional and government programs.
• Works closely with processing to ensure all documentation is obtained as the loan moves through the process to closing.
• Utilizes internal marketing resources and social media tools to target prospects and foster ongoing relationships with closed customers.
• Performs all duties in accordance with the company’s policies and procedures, and all applicable U.S. Federal and State laws and regulations.
• Says informed on trends and developments in the local real estate market, as well as changing rules and regulations pertaining to both conventional and government mortgages.
Qualifications:
• General understanding of the mortgage business, sales, and office environment is preferred, but not required.
• Positive attitude and pleasant interpersonal skills
• Attention to detail
• Strong communication skills, both verbal and written and including in-person and via telephone.
• Ability to speak and understand English language to communicate with customers, co-workers or supervisors
• Ability to set and meet priorities. Ability to work in a fast-paced environment.
• Knowledge of financial statements and tax return forms
• Knowledge of documents needed for mortgage or various consumer type loans
• Professional appearance and demeanor for interaction with public
• Ability to maintain good conversational skills with customers who are insincere or difficult
• Knowledge of bank policies, procedures, regulations, forms, departments, and products
Supervisory Responsibilities:
• None
Education and/or Experience:
• High School diploma. Bachelor's degree preferred. Degree in financial, sales, marketing, or business fields preferred.
• At least three to five years of mortgage and/or sales experience
Computer and Software Skills:
• Microsoft office suite
• Salesforce
Certificates, Licenses and Registrations:
• NMLS required
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