Mortgage Consultant, Capital City Home Loans | Tallahassee, Florida

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.
• Stays up to date on federal, state, and local laws, regulations, FNMA, FHLMC, FHA, USDA and VA as they pertain to the mortgage lending industry.
• Communicates 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.
• Analyzes and comprehends complex financial data and provides 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.

Employer Determines The Essential Functions Of The Job

All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank and Capital City Home Loans, with department managers setting the standard.

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

This job description does not constitute an employment agreement. This job description does not restrict Capital City Bank, Capital City Investments, Capital City Trust Company, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.