Residential Mortgage Consultant

Position Summary

The Mortgage Consultant is responsible for generating new residential mortgage business through external business development, branch referrals, and community outreach. This role builds and maintains strong relationships with clients, builders, realtors, housing agencies, and Centers of Influence while guiding applicants through the full mortgage process. The position ensures loan requests meet Bank lending guidelines, recommends appropriate loan programs, supports timely processing and rate lock commitments, cross-sells banking services, and represents the Bank at community, realtor, and first-time homebuyer events.

Responsibilities

• Focus on new business development efforts from external sources including builders, realtors and Centers of Influence such as attorneys, accountants and financial planners
• Develop strong relationships with personnel at assigned branches to facilitate referrals from branches
• Implement an ongoing business development campaign to increase the number and diversity of applicants for the Bank’s “Low & Moderate Income Loan Program”
• Conduct interviews with customers
• Ensure loan request meets Bank lending guidelines including debt ratios and loan-to-loan guidelines
• Review loan programs to best meet client needs
• Remain in contact with client throughout complete loan process
• Cross sell banking services
• Ensure that loans are processed in a timely manner and that rate lock commitments to investors and purchase contract contingency dates are met in a timely manner
• Assist Department Manager with programs sponsored by housing agencies including housing fairs and first-time homebuyer seminars
• Develop an ongoing marketing campaign to keep in touch with previous customers and develop repeat business and referrals
• Participate in local realtor association or other local trade organization events, conferences and committees

Key Behavioral Expectations

• Operate with agility and adaptability, responding effectively to changing priorities and business needs
• Demonstrate curiosity and a learning mindset, continuously seeking to improve and grow
• Utilize AI and technology tools responsibly to enhance productivity and decision-making
• Show ownership and critical thinking, using sound judgment to solve problems and deliver results
• Deliver white-glove hospitality, providing thoughtful, proactive, and personalized service in every interaction

Qualifications

• Bachelor’s degree in finance or related field preferred
• Minimum two to four years current experience in mortgage lending with concentration in mortgage sales
• Good sales, organizational and interpersonal skills
• Ability to learn and follow financial institution policies regarding the lending process
• Ability to read, write and speak English clearly
• Computer literate with a working knowledge of Word, Excel, Microsoft Outlook and residential loan systems. Knowledge of Silverlake a plus.
• Ability to interact effectively and tactfully with clients and the personnel from other departments either in person or over the telephone
• Current NMLS license and an understanding of Residential Loan guidelines

Benefits

• We offer a competitive compensation package, a generous paid time off program, comprehensive medical, dental and vision coverage, maternity/paternity leave, education reimbursement, wellness programs and more.
• We also offer participation in an Employee Stock Purchase Program and a 401K with a generous match.
• The approximate pay range for this position includes a base salary in the range of $30,000 to $35,000, plus an opportunity to earn commission.
• Please note that the pay range provided is a good faith estimate for the position at the time of posting. Final compensation may vary based on factors including, but not limited to knowledge, skills and abilities, as well as geographic location.
• Note: Incentives and/or benefits packages may vary depending on the position.