Supports the mortgage lending process by completing loan applications, submitting files to processing, and delivering exceptional customer service. Works closely with Senior Mortgage Loan Officers and Sales Managers to create a business plan and build referral sources.
Position Accountabilities
- Completes telephone, mail-away and face-to-face Loan Applications with clients and approves loan disclosures for distribution to clients. All required fields in the application to be completed including all third-party information prior to approval.
- Determines proper program placement of a loan file (i.e. FHA, VA, Conventional, USDA, etc.).
- Prices loans and locks rates as per Company policy.
- Reviews returned applications and documentation for completeness, accuracy, and compliance.
- Runs AUS and reviews for findings and required documentation.
- Prepares requested Pre-Qualifications as per Company policy. Orders credit reports, appraisals and title requests. Conducts regular follow-ups with clients and referral sources.
- Maintains regular communication with applicants throughout the processing period, assisting them with any questions and notifying them of any additional information required.
- Submits loan file allowing for stated turn times and works in conjunction with assigned Processor.
- Maintains pipeline of all loans in process, tracks their progress and meets all contractual deadlines.
- Assists all parties including the Processor during the entire process.
- Meets or exceeds minimum production requirements.
- Attends all settlements to gain exposure to the full loan life cycle.
- Completes annual Business Plan and meets regularly with Sales Manager.
- Stays informed of local market trends and mortgage regulations.
- Maintain a professional image and standards consistent with company policies and procedures.
Organizational Relationship
Reports to Sales Manager/Area Sales Manager
Position Qualifications
Education & Experience
- 0-2 years of mortgage or financial services experience preferred, or industry equivalent if Sales Manager deems history acceptable.
- NMLS registration required.
Knowledge & Skills
- Strong communication and interpersonal skills with the willingness to learn mortgage products and underwriting guidelines.
- Self-motivated with a desire to grow and ability to work in a team-oriented, fast-paced environment.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.
