Address
Form of workResponsible for soliciting and originating Mortgage Loan products for the Bank, contributing positively to bank production goals.
Job Duties and Responsibilities
- Assist borrowers in completing their applications for financing, gathering and entering complete information as needed in the Bucks, Montgomery, and Lehigh areas.
- Analyze borrower qualifications to determine a prequalified loan amount while working with the borrower to identify the appropriate loan program and pricing.
- Deliver “best in class” customer service by promptly returning phone calls, answering questions, and providing education to prospective borrowers on loan product types.
- Abide by all state, federal, and local laws, including those regarding fair lending and nondiscrimination in the extension of mortgage services.
- Develop and foster internal and external client referral relationships to assist in generating an ever increasing pipeline of loan applications.
- Meet and exceed published individual and department goals for sales activity, productivity, and processing times.
- Become the client’s “trusted advisor” by demonstrating knowledge of the lending function, bank policy, and industry underwriting criteria.
- Participate as a valued Team Member, representing the bank with enthusiasm and professionalism at all times.
- Identify borrower cross-selling opportunities, delivering “warm transfers” to internal partners to support bank cross-sell goals.
Compliance
- Comply with applicable bank regulations, such as regulations governing disclosures
- Comply with applicable bank regulations, such as regulations governing currency transactions, purchase of negotiable instruments, and money laundering (BSA, AML)
- Participate in annual compliance and other job-related training
- Other duties as assigned
Skills and Competencies
- Must be compliant with the SAFE Act and registered with the Nationwide Mortgage Licensing System (NMLS).
- Strong working knowledge of underwriting guidelines for each agency, as well as bank overlays for portfolio business.
- Excellent written and oral communication skills.
- Ability to manage time extraordinarily well.
- Excellent presentation and public speaking skills.
- Familiarity with Microsoft Office.
Education and Experience
- High school diploma or GED required; college degree preferred.
- Minimum of two years’ previous experience in a sales oriented environment, with proven track record of success, required; network of established referral sources preferred.
