Personal Mortgage Advisor - Inside

Personal Mortgage Advisor (Inside)

As a Personal Mortgage Advisor (Inside), the employees primary duties involve procuring and originating consumer-based residential mortgage loans. Employee will solicit, receive, and originate applications for the extension of credit to purchase and refinance 1-4 unit residential properties, secured by a first-lien mortgage or deed of trust, and provide supporting service to consumer applicants. Ensures exceptional customer experience by overseeing loan processing from origination to closing, and providing on-going communication to customers.

Essential Functions:

• Know applicable laws and regulations as well as industry standards, company rules and policies.
• Contact consumers to establish new business opportunities.
• Consult with consumers about their current and future needs and goals.
• Advise and educate consumers about the home purchase or refinance process, and how to better manage their mortgages by discussing loan terms, rates, fees, and other costs.
• Gather consumer information and apply skill and experience to put clients in the best financial status possible.
• Take and receive applications for credit.
• Initiate the loan process and manage application from file start to closing using various systems.
• Assist and communicate with consumers throughout the loan process.
• Confer and meet with customers during various stages of the loan process as needed.
• Utilize materials, reference tools, and other resources to provide accurate and up-to-date loan program/policy information to customers and business partners.
• Provide complete loan applications and support materials to fulfillment center partners.
• Promote self and company to grow market share and achieve production goals.
• Must clock hours daily to ensure all time worked is entered before end of pay period.

Qualifications and Education Requirements:

• 18 years of age or older and a High School Diploma or GED.
• Demonstrated ability to manage personal finances.
• Current Loan Originator license, or eligibility to apply for and obtain a license after hire.
• Able to maintain good standing for all licenses held.
• Intermediate knowledge of office practices and procedures.
• Intermediate computer skills.
• Working knowledge of document-imaging technology.
• Effective in-person and phone etiquette skills.
• Communicates effectively in both written and verbal form.
• Capacity to maintain confidentiality of work-related information and materials.
• Must establish and maintain effective working relationships with co-workers and service providers.

Preferred Skills:

• Familiarity with Loan Origination Systems and other software used for loan origination. Able to maintain social media websites.
• Excellent customer service skills.
• Delivers superior customer service results at all stages of the loan process.
• Familiar with loan products and programs of FNMA/FHLMC/GNMA/FHA/VA/USDA.
• Experience with down payment assistance bond programs or other specialized lending structures is preferred.
• Drive and motivation to build business in a team support environment.