Mortgage Loan Sales Assistant

1 week ago

Holland, Michigan, United States Horizon Bank Full time
Job Overview

Support Loan Originators in day to day operations of assisting customers in securing conventional, lot, construction and FHA/VA/USDA residential mortgage loans in accordance with company policies and established Standard Operating Procedures (SOPs). Ensure compliance with state and federal regulations while meeting sales goals. Responsible for all aspects of the Mortgage Loan Origination process including accurate, efficient and timely handling from receipt of the loan application to attending the closing on behalf of the Loan Originator. Must attain and maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry). Work within a team to ensure loans progress through the pipeline efficiently and effectively and close within the rate-lock period.

Principal Accountabilities

Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA), quality of documentation, timeliness and volume of loans closed. Identify financial objectives and refer clients to other bank services. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events.

Duties
  • Assist in developing and executing effective marketing plans to meet or exceed mortgage loan production goals.
  • Assist loan originator in marketing, , servicing and promoting the bank's mortgage products, including the solicitation of residential first mortgages through contacts with Realtors, builders, developers, closing agents, social media and other referral sources.
  • Assist Loan Originator in interviewing potential borrowers applying for residential mortgage loans to understand their needs.
  • Outline loan terms and conditions, and inform prospective borrowers of loan commitment.
  • Enter loan application into LOS (Loan Operating System), order credit reports, and upload to AUS (Automated Underwriting System) on behalf of Loan Originator. Collect critical documents from borrower and submit loan applications for processing and underwriting approval.
  • Once loan is underwritten, receive stipulations and assist to clear them.
  • Monitor the loan pipeline, tracking loans in process to ensure required documents are secured to ensure timely completion of the loan.
  • Communicate regularly with customers on behalf of loan originator regarding progress of loan and items needed for loan approval. Address customer questions and concerns through investigation and corrective action
  • Periodically run AUS reports to ensure loans continue to have a favorable result once loan documents are submitted
  • Communicate with Processor to schedule closing appointments. Travel in absence of loan originator to conduct closings with buyers, sellers, real estate agents, attorneys and others.
  • Provide credit counseling to delinquent or non-qualifying customers.
  • Develop and maintain knowledge of other bank products and services in order to effectively identify referral opportunities.
  • Maintain file coverage for loan originator when out of office and perform other duties as assigned.
  • Report suspicious transactions or unusual occurrences to supervisor.
  • Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions.
  • Maintain customer confidence and protect bank operations by keeping information private and confidential.
  • Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks.
Qualifications & Skills
  • High school diploma or equivalent with a minimum of 3 years residential mortgage loan College degree in business, finance or related field of study preferred.
  • Basic knowledge of agency guidelines and industry standards as they relate to retail mortgage lending, conventional, lot, construction and FHA/VA/USDA loan programs.
  • Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers.
  • Ability to follow detailed instructions and adhere to a wide range of procedures and regulations requiring sound judgement.
  • Ability to perform complex mathematical computations using various business machines and/or computers.
  • Must have proficient typing and computer skills.
Core Competencies
  • Adaptability & Flexibility
    • Decision Making and Judgement
      • Relationship Building
        • Attention to Detail
          • Prospecting and Referring
            • Accountability
            Physical Requirements

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA)

Physical Demand:

Percentage of Time:

Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others.

90-100%

Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility.

90-100%

Able to grasp, move and sort forms and papers.

90-100%

Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone

90-100%

Able to remain stationary at a desk for long periods of time

75-100%

Regularly move about the office to access file cabinets, storage drawers and various office equipment

75-100%

Occasionally position self to reach heights between floor and 6'

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