About This Role
This remote role involves originating first mortgage loans and promoting the financial institution's lending services within the real estate community. It suits a professional who can identify and serve community financial needs through home loan counseling, real estate agent seminars, and active participation in community events.
Responsibilities
- Solicit first mortgage loans by going out to clients
- Inform prospective loan clients of the institution's underwriting guidelines and applicable government regulations
- Assist loan applicants in completing applications and necessary disclosures
- Complete loan applications and pre-processing functions in a timely manner, preparing initial disclosures including loan estimates for review
- Enter data from new loan applications and other documents into the computer system
- Order credit reports and other items as needed
- Answer incoming calls and schedule appointments
- Provide consistent follow-up with borrowers and agents to complete processing
- Communicate complex approvals or denials to borrowers and agents, including real estate agents and builders
- Respond to inquiries from borrowers regarding the status of loans in process
- Complete necessary information such as log entries and business sourcing
- Distribute Bank-approved marketing materials and general information
- Actively participate in local business development activities as directed by the Bank
- Maintain knowledge of and ensure compliance with the Bank Secrecy Act and all other regulatory, security, and bank policies
Requirements
- HS Diploma or equivalent
- Two to four years of related mortgage or similar sales experience or equivalent
- Thorough working knowledge of real estate documentation, policies, compliance, and procedures
- High level of proficiency with mortgage loan processing and underwriting systems
- Commitment to excellence and high standards
- Excellent written and oral communication skills
- Strong organizational, problem-solving, and analytical skills
- Ability to manage priorities and workflow
- Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm
- Acute attention to detail
- PC proficiency
- Excellent customer service skills
- Proven ability to handle multiple projects and meet deadlines
- Strong interpersonal skills
- Good judgment with the ability to make timely and sound decisions
- Demonstrated ability to calculate figures and amounts such as discounts, interest, commissions, and percentages
