Mortgage Loan Consultant

Responsibilities

As a member of the Retail Banking Team, the Mortgage Consultant originates mortgage loans to meet individual and department production goals.

Loans must be originated in accordance with bank policies and investor and regulatory guidelines, with an emphasis on delivering superior customer service.

The Mortgage Consultant is responsible for establishing and maintaining strong professional ties to area business generators by executing a sales call program to service realtors and other referral sources to develop new mortgage business.

• Solicit quality loans that meet the criteria of current product offering
• Inform customers of the institution's loan programs, underwriting guidelines and applicableernment regulations.
• Schedule appointments to fit the needs of the customer whether onpany premises or at a mutually convenient location. Coordinate such appointments with associates.
• Personally interview all applicants to collect and analyze pertinent information regarding ie, assets, debts and credit data.

Determine which products best meet the needs and financial circumstances of the potential borrower, and advise them regarding the features and benefits of different loan programs.

• Cross-sellpany products and services by referring customers to the appropriate individual or department to include : deposit accounts, trust services, business banking, consumer lending, insurance and personal financial services, and any other product or service offered by thepany to promote aplete banking relationship.
• Develop new loan business by continuously marketing to former satisfied customers, real estate agents, home builders, attorneys, accountants, financial planners and other potential referral sources.
• Represent the bank in local business andmunity organizations and events to develop additional business. May present seminars to general public and real estatemunity formunity outreach and to promote additional business.
• Develop and maintain currentpetitive market information. Keep informed of trends and developments in the local market, as well as changing rules and regulations pertaining to the mortgage industry.
• Actively participate in ongoing training and education as directed by Manager.
• Stay abreast of, and participate in,munity outreach programs within the MLC's designated territory to ensure the bank remains a partner to groups of low to moderate ie (LMI) and those in a protected class.
• Ensure exceptional customer service, both internal and external by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating amitment to professional ethics andplying with all Federal and Statepliance policies.
• Maintain overall responsibility for the loan file and documentation through processing, underwriting, closing, and post-closing by following the transaction through to its conclusion.
• Act as the customer's point of contact and information source from the application through booking process.
• Respond to inquiries relating to mortgage lending, or to requests from other Bank personnel, customers, etc.
• Maintain proficient knowledge of, and demonstrate ongoingpliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion.
• Perform other related duties as assigned or directed.

Qualifications

• An Associate's degree or equivalent preferred
• Specialized Banking and lending education and training
• Sales training
• Proficient reading, writing, grammar, and mathematics skills.
• PC knowledge, proficient interpersonal relations,municative and sales skills.
• A working knowledge of Bank operating policies and procedures which impact consumer services.
• A thorough knowledge of the features and benefits of all the Bank's mortgage / home equity products and services.
• Minimum of 3 - 5 years' experience in real estate lending (including 2 years of experience in a related sales position) required.
• This position requires National Mortgage Licensing System ("NMLS") registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act).
• All applicants must be 18 years of age or older.

Other Job Information

mensurate with experience plus potential for annual merit increase. In addition to yourpetitive salary, you will be rewarded benefits including : 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on!

Physical Requirements :

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable amodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit.

Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds.

Specific vision abilities required by this job include close vision, and the ability to focus.

Thepany is an Affirmative Action, Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law.

Thepany will make reasonable amodations for qualified individuals with a disability. If you have a physical or mental impairment and would like to request an amodation with respect to the application process, please contact the Human Resources Department.

Minimum

USD $

Maximum

USD $ Job ID 6078