Mortgage Consultant, Capital City Home Loans | St. Simons

About the role

The Mortgage Consultant proactively markets and promotes Capital City Home Loans’ financial products to meet established loan quality and production goals. This role represents the company professionally, providing exceptional client service while supporting and adhering to core values. The Mortgage Consultant identifies, develops, and maintains a quality network of business relationships—including real estate professionals, builders, and personal contacts—to generate recurring referrals for mortgage lending opportunities.

Responsibilities

• Market and promote Capital City Home Loans financial products to the business community, including builders, real estate brokers, financial institutions, and personal contacts.
• Ensure an exceptional client service experience by overseeing the loan process from origination to close and maintaining ongoing communication with clients and business partners.
• Collect and analyze financial documentation from borrowers and advise them on lending options based on their financial circumstances, credit history, assets, debts, and loan amount.
• Recommend appropriate loan programs and ensure loan applications are complete, legible, signed, and detailed before submission.
• Collect supporting loan documentation and provide a complete package to the Processor.
• Obtain the Capital City Home Loans’ Float/Lock Letter at the time of the loan application and lock the loan with secondary marketing via the lock desk.
• Work with Processors to ensure all loan conditions are met.
• Develop a business referral network through networking, prospecting, cold-calling, and marketing.
• Participate in community efforts to promote homeownership.
• Attend and complete all required training.
• Adhere to non-negotiable Banker Standards and consistently follow company policies and procedures.
• Provide additional support to managers and colleagues as needed.

Requirements

• Bachelor’s Degree from an accredited college (relevant experience may substitute for the education requirement).
• Minimum of 1-year residential mortgage lending experience with a focus on generating self-sourced business.
• Verifiable, established network of referral business, including real estate professionals and other centers of influence.
• Registration in the NMLS Registry (required by the S.A.F.E. Act).
• Thorough knowledge of lending programs, policies, procedures, and regulatory requirements.
• Commitment to professional ethics and compliance with federal and state policies, including HMDA requirements.

Skills

• Ability to analyze and comprehend complex financial data and provide financial alternatives.
• Strong communication skills, both verbal and written, across diverse audiences.
• Solid time management and organizational skills, with the ability to prioritize and perform multiple tasks simultaneously.
• Professional and effective interpersonal skills.
• Demonstrated understanding of mortgage processing, underwriting, and closing procedures.
• Proficiency in computer skills and knowledge of product manuals, loan programs, and industry regulations (FNMA, FHLMC, FHA, USDA, VA).

Benefits

• Medical, Dental, and Vision insurance.
• Life Insurance.
• 401(k) with company matching.
• Flexible Spending Accounts.
• Tuition Assistance.
• Employee Stock Purchase Plan.
• Discounts on products and services.

Schedule

Monday – Friday, 40 hours per week.

Working Conditions

In rare instances of major disruptions (e.g., natural disasters, epidemics, or pandemics), associates may be required to relocate or telecommute to ensure business continuity.