Residential Mortgage Consultant

2 weeks ago


Houston, Texas, United States Envoy Mortgage Full time
Location: Houston, Texas

Overview:
As a Residential Mortgage Consultant at Envoy Mortgage, we prioritize delivering exceptional service, comprehensive support, and innovative tools to empower our team. Our mission is to enhance lives by actively listening to our originators and utilizing our resources to foster a successful work environment, all while maintaining our competitive edge in the mortgage sector.

Why Join Us:
Envoy Mortgage has been recognized as a Top Mortgage Employer by Mortgage Professional and has consistently ranked among the 50 Best Companies to Work for by Mortgage Executive Magazine. We have also received the Top Tech Housing Award multiple times, reflecting our commitment to excellence.

Key Responsibilities:
The Residential Mortgage Consultant is responsible for providing residential mortgage solutions and generating leads to boost production. This role involves:
  • Promoting Envoy's mortgage products to real estate professionals, home buyers, and other referral sources.
  • Procuring new loan applications through presentations and meetings with potential referral partners.
  • Educating clients on available mortgage offerings and eligibility.
  • Ensuring compliance in all marketing efforts.
  • Maintaining accurate data for new loan applications within the origination system.
  • Reviewing loan processes daily to prioritize tasks effectively.
  • Conducting document audits and resolving discrepancies to facilitate loan funding.
  • Processing Change of Circumstances (CoC) and ensuring compliance with industry standards.
  • Generating and distributing decline letters to applicants not meeting requirements.
  • Coordinating with internal teams, borrowers, and agents to ensure smooth processing.
  • Staying updated on FHA, VA, and conventional guidelines that may impact loan status.
  • Gathering necessary documentation from borrowers to complete applications.
  • Monitoring loan progress and communicating updates to all parties involved.
  • Presenting complete files to processing teams.
  • Maintaining an active NMLS license and adhering to continuing education requirements.
  • Conducting business ethically and in alignment with Envoy's core values.

Qualifications:
Candidates should possess:
  • A high school diploma or equivalent; a Bachelor's degree is preferred.
  • A minimum of 3 years of experience as a Loan Originator, Loan Officer Assistant, or Processor; 5 years is preferred.
  • Proficiency in Microsoft Excel, Word, and Outlook.
  • In-depth knowledge of mortgage loan products and processes.
  • Experience with Desktop Underwriter, Loan Prospector, and originating systems; Encompass experience is a plus.
  • Strong communication, time management, and interpersonal skills.
  • A self-motivated attitude with a willingness to learn and adapt.
  • Excellent customer service skills and the ability to work collaboratively.
  • Ability to analyze issues and develop effective solutions.

Physical Requirements:
Occasional lifting of up to 25 pounds may be required. Candidates should be able to perform tasks that involve sitting, using hands, reaching, and communicating effectively.

Job Type: Non-Exempt

Compensation:
Regular Pay: $7.25 - $15.00/hour
Supplemental Pay: Commission Pay

Benefits: (Full-Time)
  • Health Insurance
  • Paid Time Off (PTO)
  • Paid Holidays
  • 401(k)


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