Loan Officer Outside Sales

2 months ago

Towson, United States The Ladders Full time
Position Purpose - Responsibilities/Duties/Functions/Tasks

The main function of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts.

Originates their own sales by contacting prospective clients,
• Develops and maintains referral sources,
• Spends at least one or two hours a day, two or more times a week outside of the office (including a home office), originating loans,
• Meets with prospective clients at locations other than PRMI's offices, e.g., client's home or other locations,
• Meets with clients in person to sell mortgage loan products/packages,
• Contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts,
• Obtains credit information and necessary documentation for application process,
• In-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads,
• Engages in marketing and promotional activities in support of their own sales,
• Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.
• Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs
• Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines
• Analyzes and exercises independent judgment and discretion in advancing PRMI's business objectives and the interests of PRMI's customers regarding significant financial decisions
• Carries out major assignments affecting business operations of the employer or the employer's customers through:

collecting and analyzing information regarding the customer's income, assets, investments, or debts

analyzing applicant data, credit and collateral property value

determining which financial products best meet the customer's needs and financial circumstances

providing advice to the customer regarding the advantages and disadvantages of available financial products

marketing, servicing, or promoting the employer's financial products
• Completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries
• Provides origination services in the state of licensure
• Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities
• Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings

Qualifications
• Sales experience in the mortgage industry is preferred
• Familiarity with mortgage processes, procedures, rules, regulations, and compliance
• Exceptional customer service skills with a strong attention to detail
• Excellent written and verbal communication skills
• Strong computer skills to include a working knowledge of MS Office
• Ability to comprehend and analyze financial information
• Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
• Established contact and referral list within the real estate and mortgage industries preferred
• Ability to pass a required background check

Company Conformance Statement

In the performance of assigned tasks and duties all employees are expected to conform to the following:

Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines.

Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities.

Contribute to establishing a respectful workplace where diversity is critical to innovation and growth.

Ensure every action and decision is aligned with PRMI values.

Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at PRMI.

Realize team synergies through networking and partnerships across PRMI.

Embrace change; act as advocate and role model, promoting an approach of continuous improvement.

Maintain a high standard of customer care while actively listening to customers in an effort to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of PRMI competencies in providing solutions.

Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.

Work effectively as a team contributor on all assignments.

Perform quality work within deadlines.

Respect client and employee privacy.

Maintain eligibility for FLSA classification as Outside Sales Exempt, and complete the bi-annual certification process

Work Requirements

Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. Employment with PRMI requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as PRMI policies. The ability to work extended hours may be required.

Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.

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