Loan Originator - Outside Sales

Primary Position-specific Responsibilities

• SOURCE BUSINESS VIA IN-PERSON MEETINGS WITH REALTORS, FINANCIAL PLANNERS, AND OTHER PARTNERS;
• DEVELOP CLIENTELE BASE VIA LUNCH-AND-LEARNS, SEMINARS, PRESENTATIONS, AND OPEN HOUSES;
• GIVE GROUP PRESENTATIONS TO INTRODUCE NEW PRODUCTS AND SERVICES;
• VISIT CLIENTS AT CLOSING TO ENSURE A SMOOTH AND COMPLIANT TRANSACTION;
• DETERMINE THE FINANCIAL PRODUCTS THAT BEST MEET THE CUSTOMER’S NEEDS AND FINANCIAL CIRCUMSTANCES, AND PROVIDE ADVICE ON THE ADVANTAGES AND DISADVANTAGES OF DIFFERENT FINANCIAL PRODUCTS;
• Negotiate loan rates and terms on behalf of the consumer, and apply the borrower’s unique credit profile to loan scenarios in order to provide financial options to the consumer;
• CONSULT WITH PROSPECTIVE BORROWERS TO DETERMINE THEIR FINANCIAL OBJECTIVES AND GOALS, REVIEW/ANALYZE CREDIT AND FINANCIAL DATA, AND PRE-QUALIFY APPLICANTS;
• Maintain an in-depth knowledge of highly technical and evolving underwriting/lending guidelines, investor regulations, and utilize specialized knowledge of loan products to interpret these guidelines to assist the borrower in his/her understanding;
• PRESENT OPTIONS AND ALTERNATIVES FOR VARIOUS FINANCIAL PRODUCTS THAT WE OFFER, EXPLAIN RATES AND TERMS IN AN EASY TO UNDERSTAND MANNER, AND ANSWER QUESTIONS REGARDING THE FINANCING PROCESS;
• MONITOR THE LOAN’S PROCESS AND WORK Closely WITH PROCESSORS, UNDERWRITERS, AND STAFF;
• ATTEND AND COMPLETE ALL REQUIRED TRAINING, MAINTAIN KNOWLEDGE OF ALL LENDING POLICIES, PROCEDURES, GUIDELINES, AND REGULATIONS, AND COMPLETE ALL LICENSING PREREQUISITES AND REQUIREMENTS;
• PROVIDE UNSURPASSED CUSTOMER SERVICE;
• COMPLETE OTHER DUTIES AS ASSIGNED.

Preferred Education/Experience

• HIGH SCHOOL OR EQUIVALENT REQUIRED;
• An Associate’s degree from an accredited college preferred;
• At least three (3) years of experience in mortgage lending with demonstrated success in developing relationships by in-person B2B sale required;
• Verifiable track record of recent successful purchase and referral based sales volume;
• Must have exceptional attention to detail and strong organizational skills;
• Outstanding work ethic and time management skills;
• Perform exceptionally well under pressure;
• Possess strong oral and written communication skills;
• Prior experience with Encompass, a plus.