Bilingual Mortgage Loan Consultant
TowneBank Mortgage, Huntsville, Alabama, United States, 35824
Serving Others. Enriching Lives. Our member-centric approach empowers our team members to build lasting relationships with the businesses, families, and communities we serve, leading to opportunities and bright futures for our dedicated mortgage professionals.
Join us at TowneBank Mortgage! Inspired by our hometown roots, TowneBank Mortgage is committed to providing our borrowers with a personalized mortgage experience. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. TowneBank Mortgage provides the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
Primary Purpose The Mortgage Loan Consultant assists the Loan Officer and develops the skills necessary to become a Mortgage Loan Officer (to be determined by the mentoring Loan Officer/Sales Manager).
Essential Responsibilities
Team up with a seasoned loan officer to learn how to originate loans and build knowledge of the Mortgage business.
Assist mentor with providing service to applicants and prospective customers seeking home loan, including interviewing, pre-qualification and pre-approval.
Assist the Mortgage Loan Officer with marketing and promotion of the Loan Officer’s business.
During the training period, all Mortgage leads will be referred to the mentoring Loan Officer.
Once released from training, your mentor will review completed applications and gather supporting documentation.
Reviews and completes regulatory disclosures with customer.
Reviews and completes appropriate loan level regulatory tests for compliance.
Maintains existing and generates new sources of referral business.
Quotes interest rates and secures pricing through the Secondary Marketing Department on behalf of the Customer.
Utilizes automated underwriting systems (AUS) to obtain credit recommendations.
Collects required application fees.
Inputs application data into Loan Origination Software (LOS).
Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties.
Communicates with all parties in a professional and courteous manner.
Manages your pipeline of loans to verify accuracy of the current loan status.
Acknowledges and abides by TowneBank Mortgage Policies and Procedures.
Relays to Senior Management any industry changes or trends that may be of interest to them.
Participates in Towne Bank, TowneBank Mortgage, and area association events.
Represents the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).
Minimum Required Skills & Competencies
Has or is willing to complete training program to obtain NMLS/MLO/state license
Bilingual (Spanish/English)
Has a High School Diploma or equivalent
Has excellent organizational, oral, and written communication skills
Is able to perform in a fast-paced environment typical to Mortgage Banking
Is a team player, problem solver, and self-motivated
Desired Skills & Competencies
Has a Bachelor’s Degree
Has previous experience in financial services, real estate, lending institutions, credit union, or related fields
Has customer service and/or sales experience
Working knowledge of Microsoft Office Suite
What We Offer When you join our team, take pride in knowing that your work positively impacts others. We offer a space where self-starters, problem solvers and entrepreneurial spirits excel.
Competitive benefits
Resources needed to succeed
Advanced technology
Excellence in operations
Physical Requirements
Express or exchange ideas by means of the spoken word via email and verbally
Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time
Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation
Not substantially exposed to adverse environmental conditions
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities.
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Join us at TowneBank Mortgage! Inspired by our hometown roots, TowneBank Mortgage is committed to providing our borrowers with a personalized mortgage experience. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. TowneBank Mortgage provides the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
Primary Purpose The Mortgage Loan Consultant assists the Loan Officer and develops the skills necessary to become a Mortgage Loan Officer (to be determined by the mentoring Loan Officer/Sales Manager).
Essential Responsibilities
Team up with a seasoned loan officer to learn how to originate loans and build knowledge of the Mortgage business.
Assist mentor with providing service to applicants and prospective customers seeking home loan, including interviewing, pre-qualification and pre-approval.
Assist the Mortgage Loan Officer with marketing and promotion of the Loan Officer’s business.
During the training period, all Mortgage leads will be referred to the mentoring Loan Officer.
Once released from training, your mentor will review completed applications and gather supporting documentation.
Reviews and completes regulatory disclosures with customer.
Reviews and completes appropriate loan level regulatory tests for compliance.
Maintains existing and generates new sources of referral business.
Quotes interest rates and secures pricing through the Secondary Marketing Department on behalf of the Customer.
Utilizes automated underwriting systems (AUS) to obtain credit recommendations.
Collects required application fees.
Inputs application data into Loan Origination Software (LOS).
Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties.
Communicates with all parties in a professional and courteous manner.
Manages your pipeline of loans to verify accuracy of the current loan status.
Acknowledges and abides by TowneBank Mortgage Policies and Procedures.
Relays to Senior Management any industry changes or trends that may be of interest to them.
Participates in Towne Bank, TowneBank Mortgage, and area association events.
Represents the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).
Minimum Required Skills & Competencies
Has or is willing to complete training program to obtain NMLS/MLO/state license
Bilingual (Spanish/English)
Has a High School Diploma or equivalent
Has excellent organizational, oral, and written communication skills
Is able to perform in a fast-paced environment typical to Mortgage Banking
Is a team player, problem solver, and self-motivated
Desired Skills & Competencies
Has a Bachelor’s Degree
Has previous experience in financial services, real estate, lending institutions, credit union, or related fields
Has customer service and/or sales experience
Working knowledge of Microsoft Office Suite
What We Offer When you join our team, take pride in knowing that your work positively impacts others. We offer a space where self-starters, problem solvers and entrepreneurial spirits excel.
Competitive benefits
Resources needed to succeed
Advanced technology
Excellence in operations
Physical Requirements
Express or exchange ideas by means of the spoken word via email and verbally
Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time
Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation
Not substantially exposed to adverse environmental conditions
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities.
#J-18808-Ljbffr