Mortgage Loan Specialist - External

Mortgage Business Development

• Proactively generate mortgage business through outbound calls, partner outreach, and community engagement.
• Build and maintain relationships with realtors, builders, and business partners to drive referral volume.
• Attend open houses, closings, community events, and educational sessions to increase visibility and lead generation.
• Conduct sales follow-up, track leads, and manage a personal pipeline of prospects.
• Represent the organization as a trusted home lending partner by promoting mortgage products and educating potential borrowers.
• Deliver strong service to increase referrals and repeat business.

Mortgage Business Development

• Meet with prospective borrowers (in person, phone, or virtual) to gather financial information and understand housing goals.
• Provide product recommendations and explain mortgage options, rates, fees, payment scenarios, and cash-to-close requirements.
• Complete accurate loan applications in the loan origination system (LOS) and obtain borrower authorizations.
• Prepare and review required initial disclosures, including Loan Estimates, ensuring timely delivery.
• Collect documentation such as income, assets, identification, and purchase agreements; pre-screen submissions and prepare files for processing.
• Lock interest rates and complete Rate Lock Agreements in accordance with policy.
• Provide ongoing communication and education to borrowers throughout the early stages of the loan process.

Professional Development

• Stay current on mortgage products, guidelines, market trends, and sales strategies.
• Participate in ongoing training and coaching to build skills in lending, compliance, and member service.