Centralized Lending Specialist (Mortgage Loan Officer) - Charlotte, NC
Mmbba, Chandler, AZ, United States
Job Overview
A role responsible for answering inbound calls and initiating outbound calls within a call center to assist clients with mortgage financing solutions, including home purchases, refinancing, or home equity. The position involves analyzing client goals, determining optimal lending products, submitting mortgage applications, gathering supporting documentation, and maintaining client communication throughout the loan process. This role may involve residential mortgage loan originations and is subject to SAFE Act registration requirements.
Responsibilities
Provides exceptional client care
Answers inbound calls and makes outbound calls to guide clients in determining the best solution
Utilizes multiple technology systems to assist customers and referral partners
Leverages defined lending processes and policies to meet guidelines and manage risks
Communicates consistently with clients and business partners through outbound calls, email, and online messaging throughout the lending process
Identifies opportunities through conversations with clients to recommend the bank’s products through partner referrals as part of a team that delivers exceptional client care
Required Qualifications
Has 1+ year sales and/or mortgage experience
Has a strong relationship-deepening and client care mentality
Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively
Can assess client needs and promote alternative products or services
Has ability to learn all platform systems utilized within the environment and/or aptitude in system technologies
Has effective customer service skills with ability to manage the full client end‑to‑end origination experience and problem resolution at key points in lending process
Can work under pressure during high volumes
Can build and maintain positive rapport with service partners
Can prioritize multiple competing tasks
Is adaptable and flexible to change
Is a strong communicator, written, oral and non‑verbal
Demonstrates solid sales production over a sustained time frame
Can be flexible to work weekends and/or extended hours as needed
Communicates professionally, effectively and confidently and is comfortable engaging all clients over the phone
Can handle multiple lines of business and models to support changing business needs
Independently works with other business partners to expedite post‑sale issues or problem resolution
Effectively balances performance, operational risk, and client relationship care
Demonstrates commitment to professional ethics and thorough due diligence to comply with all Federal and State compliance policies
Desired Qualifications
Has contact center experience
Has knowledge of loan products (Conventional, Jumbo and Government)
Can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information
Familiarity with FHA and HUD guidelines
Knowledge of processing underwriting and/or closing procedures and federal lending regulations governing real estate lending
Ability to analyze and comprehend complex financial data and provide financial alternatives
Strong consultative skills, including the ability to ask critical questions to identify opportunities
Skills
Attention to Detail
Client Solutions Advisory
Customer and Client Focus
Oral Communications
Written Communications
Client Management
Loan Structuring
Pipeline Management
Problem Solving
Collaboration
Credit Documentation Requirements
Critical Thinking
Referral Identification
Referral Management
Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent
Work Details Shift: 1st shift (United States of America)
Hours per week: 40
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Responsibilities
Provides exceptional client care
Answers inbound calls and makes outbound calls to guide clients in determining the best solution
Utilizes multiple technology systems to assist customers and referral partners
Leverages defined lending processes and policies to meet guidelines and manage risks
Communicates consistently with clients and business partners through outbound calls, email, and online messaging throughout the lending process
Identifies opportunities through conversations with clients to recommend the bank’s products through partner referrals as part of a team that delivers exceptional client care
Required Qualifications
Has 1+ year sales and/or mortgage experience
Has a strong relationship-deepening and client care mentality
Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively
Can assess client needs and promote alternative products or services
Has ability to learn all platform systems utilized within the environment and/or aptitude in system technologies
Has effective customer service skills with ability to manage the full client end‑to‑end origination experience and problem resolution at key points in lending process
Can work under pressure during high volumes
Can build and maintain positive rapport with service partners
Can prioritize multiple competing tasks
Is adaptable and flexible to change
Is a strong communicator, written, oral and non‑verbal
Demonstrates solid sales production over a sustained time frame
Can be flexible to work weekends and/or extended hours as needed
Communicates professionally, effectively and confidently and is comfortable engaging all clients over the phone
Can handle multiple lines of business and models to support changing business needs
Independently works with other business partners to expedite post‑sale issues or problem resolution
Effectively balances performance, operational risk, and client relationship care
Demonstrates commitment to professional ethics and thorough due diligence to comply with all Federal and State compliance policies
Desired Qualifications
Has contact center experience
Has knowledge of loan products (Conventional, Jumbo and Government)
Can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information
Familiarity with FHA and HUD guidelines
Knowledge of processing underwriting and/or closing procedures and federal lending regulations governing real estate lending
Ability to analyze and comprehend complex financial data and provide financial alternatives
Strong consultative skills, including the ability to ask critical questions to identify opportunities
Skills
Attention to Detail
Client Solutions Advisory
Customer and Client Focus
Oral Communications
Written Communications
Client Management
Loan Structuring
Pipeline Management
Problem Solving
Collaboration
Credit Documentation Requirements
Critical Thinking
Referral Identification
Referral Management
Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent
Work Details Shift: 1st shift (United States of America)
Hours per week: 40
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