Mortgage Consultant, Capital City Home Loans | Duluth (Sugarloaf Office)

Mortgage Consultant

The Mortgage Consultant pro-actively markets and promotes Capital City Home Loans’ financial products to meet established loan quality and production goals. The Mortgage Consultant represents the company in a professional and enthusiastic manner by providing an exceptional level of client service, supporting and adhering to our core values in all functions of the job responsibilities and interaction with internal and external clients.

Principal Duties And Responsibilities

• Marks and promotes Capital City Home Loans financial products to their business community including builders/developers, real estate brokers, financial institutions, friends, and family.
• Ensures exceptional client service experience by overseeing loan process from origination to close and providing on-going communication to clients and business partners.
• Collections and analyzes financial documentation from the borrower and advises the potential borrower of their lending options.
• Recommends the appropriate loan program based on the borrowers needs and financial circumstances including credit history, assets, debts, investments, and amount of the loan.
• Ensures loan application is complete, legible, signed and detailed prior to submission.
• Collects supporting loan documentation as required and provide complete package to Processer.
• Obtains the Capital City Home Loans’ Float/Lock Letter at the time of the loan application with the float or lock portion completed.
• Locks the loan with secondary marketing via the lock desk and responds timely to all calls regarding interest rates.
• Works with Processors to ensure all loan conditions are met.
• Develops Business Referral Network from outside sources such as attending networking activities, prospecting, cold-calling and marketing.
• Participates in community efforts to promote home ownership.
• Attends and completes all Capital City Home Loans required training.

Knowledge, Skills And Abilities (KSAs)

• Responsible for knowing product manuals and understanding all company loan programs and their requirements.
• Responsible for staying up to date on federal, state, and local laws, regulations, FNMA, FHLMC, FHA, USDA and VA as they pertain to the mortgage lending industry.
• Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
• Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
• Ability to analyze and comprehend complex financial data and provide financial alternatives.
• Strong computer skills.
• Professional and effective interpersonal skills.
• Demonstrated understanding of mortgage processing, underwriting and closing procedures.

Education

• Bachelor’s Degree from an accredited college required.
• Minimum of 1-year residential mortgage lending experience with a focus on generating self-sourced business.
• Relevant experience may substitute for the education requirement.

Associated Duties

• Provides additional support to manager and department colleagues.
• Completes all assigned/required Bank training within established timelines.

Working Conditions

• In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.

Benefits

• Medical, Dental and Vision
• Life Insurance
• 401(k) with Matching
• Flexible Spending Accounts
• Tuition Assistance
• Stock Purchase
• Discounts on Products and Services

EEO/Protected Veterans/Disabled/Drug Free

• Capital City Bank is an Equal Opportunity Employer.
• Capital City Bank is an Affirmative Action/Equal Opportunity Employer.
• Capital City Bank is committed to providing reasonable accommodations to qualified individuals with disabilities and disabled veterans in our job application procedures. If you need assistance or an accommodation due to a disability, please contact us.