Mortgage Loan Consultant

Responsibilities

• Originate mortgage loans to meet individual and department production goals.
• Operate in accordance with bank policies and investor and regulatory guidelines, emphasizing superior customer service.
• Execute a sales call program to service realtors and other referral sources to develop new mortgage business.
• Identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing.
• Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies.
• Conduct personalized consultations, either in-office or at convenient locations, to ensure a seamless borrowing experience.
• Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management.
• Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding.
• Stay informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor.
• Represent the bank at local business and community events, delivering exceptional value and building brand awareness.
• Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner.
• Perform other related duties as assigned or directed.

Qualifications

• An Associates degree or equivalent preferred.
• A High School Diploma or GED required.
• Specialized banking and lending education and training.
• A valid driver license.