Inside Mortgage Loan Consultant - Consumer Direct

Job Title

The Position
Job Title: Inside Mortgage Loan Consultant - Consumer Direct

About the Role

Browse this page to find out more about the First United culture and the many benefits of working here.

Responsibilities

• Uses interpersonal and communication skills to support facilitation of mortgage loans referred via existing mortgage or banking customers.
• Cross sells First United Bank products and services.
• Works with bank personnel to promote First United in assigned markets.
• Conducts outbound and inbound mortgage sales calls to educate and engage refinance candidates.
• Maintains accurate and detailed records in CRM and loan origination systems.
• Takes thorough and complete loan applications; analyzes and pre-qualifies applicant information to determine viability of the client's desired loan program.
• Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower's statements and loan application.
• Understands and clearly explains correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product.
• SUBMIT LOAN APPLICATIONS: Submits the loan application, preliminary income verification documents, preliminary asset verification documents, loan disclosures, any required credit explanation letters and executed application forms to process.
• COUNSEL BORROWER: Counsels the borrower through the application, approval and closing process – including review of the HUD settlement statement with the borrower prior to closing.
• DEMONSTRATES FOLLOW-UP: Demonstrates excellent follow-up techniques to ensure strong application-to-close conversion rates.
• PARTNER WITH TEAMS: Partners with processing and underwriting teams to ensure seamless and efficient loan experience.
• MaintAINS GREAT CUSTOMER SERVICE: Ensures great customer service throughout the process.
• MEETS EXPECTATIONS: Meets minimum expectations for First United best practices and production standards.
• ATTENDS MEETINGS: Attends assigned production meetings.
• PROVIDES EXCEPTIONAL CUSTOMER SERVICE: Provides exceptional customer service, maintains high ethical standards, and ensures compliance with every borrower.

Additional Duties and Responsibilities

• Adheres to all First United Policies and Procedures.
• Completes all required compliance exams on an annual basis.
• Performs other duties as assigned.

Employee Specifications

• High School diploma or GED required.
• Active NMLS or Federally Registered NMLS license.
• Prefer two (2) years’ experience in mortgage sales within a Consumer Direct or refinance environment.
• Proven record of success for closing and supporting mortgage customers.
• 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 directions on given assignments.
• Demonstrated technical knowledge of Bank, Mortgage, Federal and State lending and compliance/regulatory matters.
• Proficient in Loan Origination systems (e.g., Encompass).
• Familiarity with pricing engines and lead management systems.
• Solid understanding of residential mortgage products including conventional, FHA and VA loan programs.
• Self-motivated, energetic, and results-oriented with high attention to detail.

Physical Demands

Sedentary work that primarily involves sitting/standing.

Equal Opportunity Employer

First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.