Residential Mortgage Consultant

2 weeks ago

Terrell, Texas, United States American National Bank of Texas Full time

The Mortgage Financial Specialist role entails overseeing the client journey throughout the lending process for both first and second residential mortgages. The ideal candidate will possess extensive experience in the mortgage sector, with up-to-date knowledge of mortgage offerings, programs, loan origination systems, necessary documentation, and the progression of a mortgage loan file. Key responsibilities include:

  • Managing mortgage loan applications from initiation to completion - including file setup, application entry, credit history retrieval, preparation for submission, underwriting submission, condition retrieval, and closing preparation.
  • Collaborating closely with the Retail Financial Specialist and clients to gather financial data to evaluate the customer's financial standing and eligibility.
  • Thoroughly reviewing and verifying each file, identifying errors and discrepancies, while structuring the file to comply with lending standards.
  • Establishing clear customer expectations and providing timely updates to ensure a satisfactory customer experience.
Qualifications:
  • High school diploma or GED is required; a bachelor's degree is preferred.
  • One to three years of pertinent experience in residential mortgage origination.
  • Fundamental understanding of real estate regulations.
  • Registration with the National Mortgage Licensing & Registry (NMLS) is mandatory.
  • Previous experience as a Loan Office Assistant or in Loan Origination is advantageous.
Skills:
  • Familiarity with first and second mortgage regulations and general real estate law; exceptional communication abilities and a strong sales focus.
  • Capability to manage time effectively while working independently and as part of a team.
  • Proficient in Microsoft Excel and MS Word; basic keyboarding and calculator skills; must be able to compute income and follow written instructions.
  • Position may require working beyond standard hours to fulfill essential job functions.
  • Ability to lift up to 30 lbs. in an office environment.
American National Bank of Texas encourages candidates who are bilingual in English and Spanish to apply. Positions requiring bilingual candidates will be clearly indicated as a requirement.

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