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Residential Mortgage Consultant

2 months ago


Franklin, Tennessee, United States Republic Bank Limited Full time
About Republic Bank Limited

At Republic Bank Limited, we prioritize the growth and development of our team members. We provide opportunities to explore various facets of our organization, paving the way for future career advancements.

Our core values focus on creating an IMPACT for our clients, employees, and the communities we serve.

(IMPACT stands for
Innovate for the Future,
Make it Easy,
Provide Exceptional Service,
Acknowledge & Celebrate Success,
Commit to Caring, and
Thrive Together). Our associates are integral to our success, and we take pride in fostering a supportive work environment.

We have been recognized as one of the Best Places to Work in Kentucky for several consecutive years.



POSITION SUMMARY:

The Mortgage Loan Originator is responsible for a comprehensive range of tasks associated with the origination of residential mortgage loans. This includes generating leads through various networking avenues.

The role requires meeting established performance metrics and objectives set by management for loan origination and cross-selling the bank's products and services.

This position encompasses full accountability for the mortgage loan process from application through to closing.



ESSENTIAL QUALIFICATIONS:

  • Proven expertise in residential mortgage processing, underwriting, and closing protocols.
  • Prior experience in mortgage sales is essential.
  • Proficiency in Microsoft Office Suite, including Word, Excel, PowerPoint, and Outlook.
  • NMLS registration is mandatory.

KEY RESPONSIBILITIES:
  • Establish and nurture referral relationships with real estate professionals, builders, and other potential sources for mortgage loans.
  • Engage in industry networking events and Republic Bank-sponsored activities to promote mortgage lending services.
  • Utilize the bank's CRM system to maintain accurate records of prospects, clients, and referral partners.
  • Conduct client interviews to assess their financial situations, needs, and objectives.
  • Provide guidance to clients regarding the home buying process, financing options, and mortgage management.
  • Support clients throughout the loan process from application to closing.
  • Stay informed about available loan products, processing procedures, and underwriting guidelines.
  • Deliver outstanding customer service, ensuring timely communication with applicants and internal teams.
  • Manage a pipeline of originated loans through to closing.
  • Implement effective marketing strategies to achieve or surpass mortgage production targets.
  • Participate in mortgage lender meetings and training sessions as required.
  • Understand the credit culture of Republic Bank to facilitate appropriate credit presentations for approval.
  • Maintain knowledge of compliance requirements relevant to the role and assist in implementing new regulations as necessary.
  • Exemplify and promote the bank's values and corporate culture, fostering an environment of trust and collaboration.
  • Perform additional duties and projects as assigned.

INTERPERSONAL SKILLS:
  • Exceptional verbal and written communication abilities.
  • Self-motivated with a strong capacity to work collaboratively.
  • Proficient sales techniques.
  • Ambition to excel in a competitive landscape.
  • Strong organizational capabilities.
  • High energy and a sense of urgency are essential.

PHYSICAL DEMANDS:

The physical requirements outlined here are representative of those that must be met by an associate to successfully perform the essential functions of this role. Reasonable accommodations may be made for individuals with disabilities.

While executing the responsibilities of this position, the associate is regularly required to sit, use hands for tasks, and communicate verbally.

Frequent standing or walking is required, along with occasional reaching and lifting of up to 10 pounds. Vision requirements include close and distance vision, with a moderate noise level in the work environment.



ADDITIONAL REQUIREMENTS:
  • Travel between Republic Bank facilities is necessary.
  • Occasional out-of-town travel may be required.
  • Flexibility in work schedule, including evenings and weekends, is expected.
  • Stay updated on industry developments, best practices, and regulatory changes.

Equal Opportunity Employer

Republic Bank Limited is committed to equal opportunity and does not discriminate against employees or applicants based on inquiries about compensation or other protected characteristics.