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Responsible for managing communications and providing administrative support to Managing Loan Officers and Branch Manager/Team Leader as necessary in a fast-paced environment. Includes contract to close duties and pre-qualification of clients. Requires state and federal licensing as outlined below. The following duties may ONLY be performed by licensed partners:
Provides answers and/or explanations in response to general consumer inquiries or questions (i.e. what does LTV or PMI stand for?)
Provides explanations for mortgage terminology questions by consumers
Describes UHM mortgage products
Assists a borrower who is filling out an application by explaining the contents of the application and where particular borrower information is to be provided on the application
Offers or negotiates loan terms to a prospective borrower
Re-negotiates loan terms with a borrower
Provides a pre-qualification or pre-approval to a prospective borrower
Conducts a face to face or telephone interview for purpose loan application and discussing and or negotiating loan terms
Licensed in accordance with the Safe Act as a mortgage loan originator on the NMLS in the state in which they originate loan applications
The following duties are shared between both licensed and unlicensed and may or may not be performed based on specific job role.
Answers all incoming calls to the Managing LO and obtains basic identifying information about a prospective borrower on behalf of the LO (i.e. name, address, contact information, purpose of call, etc.
Sets and confirms appointments with clients, realtors and business partners
Initiates contact with new leads and realtors and ask for an appointment to meet with Managing Loan Officer
Assists a borrower who is filling out an application by explaining the contents of the application and where particular borrower information is to be provided on the application
Sends thank you letters and miscellaneous notes on new loan applications, referral sources, weekly closings, lunch appointments, etc.
Works with operations staff in aspects of the loan process or closing
Coordinates with realtors and title company to arrange the closing
Communicates on a regular basis with borrower and realtor providing loan status updates
Receives UHM requested borrower documentation and forwarding to appropriate Partner and/or department
Creates, updates and maintains social media (i.e., Managing LO Facebook page)
Updates and maintains marketing (SAM) database and utilizes database to maintain regular contact with borrowers
Plans and organizes networking events, including lunches, training programs, etc.
Acts as liaison between borrower and other third parties such as realtor, title company in communication
Contact previous clients to ensure satisfaction with the process and to determine if there is anything further the Managing LO can do to help with their debt management process
Maintains regular contact with Managing Loan Officer on status of all active files
EDUCATION AND/OR EXPERIENCE
High school diploma or equivalent
2-4 years of mortgage experience
NMLS
SKILLS
Retail/Wholesale Mortgage Banking Knowledge
Knowledge of all mortgage products, Government and Conventional
Excellent customer service skills
Strong verbal and written communication skills
Excellent organizational skills
Mortgage software knowledge
Analyzing information
Strong in decision making
High ethical standards
Professionalism
Quality focus
CERTIFICATES, LICENSES, REGISTRATIONS
Complete state and federal requirements including but not limited to pre-license education, state and federal testing and federal background checks to obtain an appropriate license to conduct business in all states deemed necessary by the company.
Complete required continuing education deemed necessary by federal, state and company guidelines.
Renew all licenses 30 days in advance of the required renewal time-frame.
Update job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks and participating in professional organizations
ID: 2020-1448 External Company Name: Union Home Mortgage External Company URL: https://www.unionhomemortgage.com/
