Mortgage Loan Consultant
|Employment Type:||Full Time|
|Description:||Evaluates and recommends loan products to clients based on client-specific needs; negotiates with clients on rates for loan products; utilizes industry knowledge, marketing, and sales strengths to develop prospects, generate leads, and convert application opportunities for loans; recruits and trains sales assistants and Junior Mortgage Loan Consultants; develops long-term relationships with clients and referral partners; recommends other Bank product and services; and cross-sell referrals to Bank associates.|
|Duties:||Evaluates and analyzes customer information.|
Uses interpersonal and communication skills to generate referral business, leads and relationships with individuals, existing clients, past clients, and real estate professionals (realtors, developers, contractors, others).
Meets with customers in locations convenient to the client to discuss mortgage lending needs; and evaluates possible loan products and matches customers to suitable loan packages.
Recruits and trains Junior Mortgage Loan Consultants, Mortgage Loan Consultant Is and support staff.
Participates in training for marketing, sales, and scenario techniques to effectively sell, package, and close mortgages
Reviews property appraisals and makes on-site inspections.
Recommends other Bank services. Stays informed concerning products and services the Bank is offering so customer questions can be answered promptly and efficiently.
Stays abreast of market trends, technology issues and local events to take advantage of all business opportunities.
Completes all required banking regulatory compliance training as relates to this job.
Adheres to and complies with Bank policies, procedures, applicable state and federal laws, and regulatory guidance.
Creates and maintains an email-friendly database that allows for continuous marketing ‘touch points’ over time.
Ensures reports and client documentation are accurate and completed timely.
Compiles information for mortgage loan package; assures all required documentation is included for underwriting purposes.
|Qualifications:||4-year college degree in Business or related field or an equivalent combination of education and experience|
5 years mortgage origination experience in specified market
Comprehensive knowledge of mortgage lending regulations, compliance procedures, credit analysis, qualification guidelines, and mortgage products
Demonstrated application of sales techniques; dynamic face-to-face presence
High degree of experience creating, implementing, and adapting a market penetration strategy for lead development, prospect-to-client conversion, and client-to-close conversion
Advanced analytical, problem-solving, interpersonal, communication, and time management skills
Detail-oriented with ability to excel in high-volume environment involving complex loan products
Proficiency with Windows-based PC systems, mortgage industry loan origination software, and MS Office
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