Loan Officer Outside Sales

Position Purpose

Are you a pro at structuring loan files and figuring out if a home owner or home buyer qualifies for a mortgage, then this position may be for you. The main function of this position is to talk with home owners and buyers who've been referred by our builder partners or other referral partners. This position is to help them qualify for loans and have an amazing experience.

Responsibilities

• Analyzes and exercises independent judgment and discretion in advancing PRMI’s business objectives and the interests of PRMI’s customers regarding significant financial decisions
• Carrries out major assignments affecting business operations of the employer or the employer’s customers through: collecting and analyzing information regarding the customer’s income, assets, investments, or debts
• Develops and maintains referral sources
• Mets with prospective clients at locations other than PRMI’s offices, e.g., client’s home or other locations
• Mets with clients in person to sell mortgage loan products/packages
• Contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts
• Obtains credit information and necessary documentation for application process
• In-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to assist our referral partners
• Engages in marketing and promotional activities in support of their own sales
• Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.
• Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs
• Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines
• Analyzes applicant data, credit and collateral property value
• Determines which financial products best meet the customer’s needs and financial circumstances
• Provides advice to the customer regarding the advantages and disadvantages of available financial products
• Marketing, servicing, or promoting the employer’s financial products
• Completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries
• Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities
• Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings

Qualifications

• Sales experience in the mortgage industry is preferred
• Familiarity with mortgage processes, procedures, rules, regulations, and compliance
• Exceptional customer service skills with a strong attention to detail
• Excellent written and verbal communication skills
• Strong computer skills to include a working knowledge of MS Office
• The ability to comprehend and analyze financial information
• The ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
• Able to pass a required background check