Mortgage Loan Consultant
First United Bank, Rockwall, TX, United States
Mortgage Loan Consultant
The primary role of a Mortgage Loan Consultant is to originate and close mortgage loans through extensive marketing initiatives as well as new and existing relationships. The Mortgage Consultant position is an outside sales position responsible for originating retail mortgage loans through external sources. This position is directly responsible for origination objectives and sales strategies that will expand market share. Major duties and responsibilities include: Using interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals. Cross selling First United Bank products and services. Working with bank personnel to promote First United in assigned markets. Taking thorough and complete loan applications; analyzing and pre-qualifying applicant information to determine viability of the client's desired loan program. Pulling credit, analyzing credit, and comparing for accuracy with the mortgage borrower's statements and loan application. Determining the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product. Submitting the loan application, preliminary income verification documents, preliminary asset verification documents, loan disclosures, any required credit explanation letters and executed application forms to processing. Counseling the borrower through the application, approval and closing process including review of the Closing Disclosure with the borrower prior to closing. Attending closings and ensuring great customer service throughout the process. Meeting minimum expectations for First United best practices and production standards. Attending assigned production meetings. Providing exceptional customer service, maintaining high ethical standards, and ensuring compliance with every borrower. Additional duties and responsibilities include: Performing other duties as requested by Executive Management or Supervisor. Completing all required compliance exams on a yearly basis. Adherence to all First United Policies and Procedures. Dressing professionally. Employee specifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and work experience: High School diploma or GED required. MUST have at least two years' experience in mortgage lending environment. Proven record of success for generating sales in a mortgage lending environment. MUST be currently working as a Mortgage Loan Consultant closing a minimum of 2 self-sourced loans per month. Technical/functional competencies: Possession of strong organizational skills. Excellent verbal and written communication skills. Exceptional interpersonal communication skills. Ability to work independently on assigned tasks as well as to accept direction on given assignments. Demonstrated technical knowledge of Bank, Mortgage, Federal and State lending and compliance/regulatory matters. All Locations: Austin-Seven Oaks, Dallas Mortgage, Ft. Worth Mortgage 2, OKC-Southwest, Plano-Parkwood, Rockwall Mortgage, San Antonio, Seguin-East, Seguin-Main, Seguin-West, Southlake Mortgage, Tulsa Mortgage If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance. First United is an Equal Opportunity Employer.
The primary role of a Mortgage Loan Consultant is to originate and close mortgage loans through extensive marketing initiatives as well as new and existing relationships. The Mortgage Consultant position is an outside sales position responsible for originating retail mortgage loans through external sources. This position is directly responsible for origination objectives and sales strategies that will expand market share. Major duties and responsibilities include: Using interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals. Cross selling First United Bank products and services. Working with bank personnel to promote First United in assigned markets. Taking thorough and complete loan applications; analyzing and pre-qualifying applicant information to determine viability of the client's desired loan program. Pulling credit, analyzing credit, and comparing for accuracy with the mortgage borrower's statements and loan application. Determining the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product. Submitting the loan application, preliminary income verification documents, preliminary asset verification documents, loan disclosures, any required credit explanation letters and executed application forms to processing. Counseling the borrower through the application, approval and closing process including review of the Closing Disclosure with the borrower prior to closing. Attending closings and ensuring great customer service throughout the process. Meeting minimum expectations for First United best practices and production standards. Attending assigned production meetings. Providing exceptional customer service, maintaining high ethical standards, and ensuring compliance with every borrower. Additional duties and responsibilities include: Performing other duties as requested by Executive Management or Supervisor. Completing all required compliance exams on a yearly basis. Adherence to all First United Policies and Procedures. Dressing professionally. Employee specifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and work experience: High School diploma or GED required. MUST have at least two years' experience in mortgage lending environment. Proven record of success for generating sales in a mortgage lending environment. MUST be currently working as a Mortgage Loan Consultant closing a minimum of 2 self-sourced loans per month. Technical/functional competencies: Possession of strong organizational skills. Excellent verbal and written communication skills. Exceptional interpersonal communication skills. Ability to work independently on assigned tasks as well as to accept direction on given assignments. Demonstrated technical knowledge of Bank, Mortgage, Federal and State lending and compliance/regulatory matters. All Locations: Austin-Seven Oaks, Dallas Mortgage, Ft. Worth Mortgage 2, OKC-Southwest, Plano-Parkwood, Rockwall Mortgage, San Antonio, Seguin-East, Seguin-Main, Seguin-West, Southlake Mortgage, Tulsa Mortgage If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance. First United is an Equal Opportunity Employer.