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Residential Mortgage Consultant

2 months ago

Mankato, Minnesota, United States PROFINIUM INC Full time
Job Overview

POSITION SUMMARY

The Mortgage Loan Officer plays a crucial role in the mortgage lending process, focusing on building and nurturing client relationships while driving new business opportunities. This position is essential for maintaining high standards of credit quality and generating fee income, ultimately contributing to an exceptional client experience.

KEY RESPONSIBILITIES

Business Development - 80%

  • Generate high-quality mortgage loans in alignment with bank policies and growth objectives, actively seeking new business relationships and enhancing existing client connections.
  • Address inquiries from potential clients regarding various mortgage and construction loan options, providing comprehensive information about the organization's lending policies and procedures.
  • Facilitate the mortgage application process by gathering necessary documentation, submitting applications, obtaining approvals, and ensuring clear communication with the processing team as outlined in the procedural manual.
  • Collaborate with different departments within the bank to foster strong client relationships.
  • Utilize origination software and underwriting automation to input relevant data efficiently.
  • Work closely with processing and servicing teams to exceed customer expectations.
  • Manage the lender's social media presence in partnership with the marketing department.

Regulatory Compliance - 10%

  • Adhere to all federal, state, and local regulations, ensuring that all documentation is compliant and deadlines are met.
  • Verify the accuracy of all mortgage loan disclosures sent to borrowers.
  • Assist in rectifying any compliance deficiencies related to mortgage loans.
  • Serve as a resource for bank personnel regarding mortgage loan inquiries.
  • Provide recommendations to management for enhancing departmental operations.
  • Participate in risk assessment reviews as required.
  • Stay updated on mandatory training and compliance requirements.

Additional Responsibilities - 10%

  • Achieve referral goals based on annual targets set by management.
  • Support other banking activities as part of the overall team effort.
  • Promote a positive and energetic workplace culture by embodying the company's core values and mission.

While performing the duties of this role, the individual is frequently required to navigate the office environment, access files, operate office machinery, and attend meetings. The ability to operate a computer, handle various objects, and communicate effectively is essential. Occasional lifting of up to 25 pounds may be necessary with assistance. Travel to other locations may be required as needed. Specific vision abilities include close vision, distance vision, peripheral vision, depth perception, and the ability to adjust focus.

The qualifications outlined above represent the necessary knowledge, skills, and abilities for this position. Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions. This document serves to outline the general content and performance expectations of this role and is not intended to be an exhaustive list of duties or responsibilities.

Profinium, Inc. is an Affirmative Action/Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status, or any other characteristic protected by law.

QUALIFICATIONS

  • Demonstrated commitment to client satisfaction and team culture.
  • Proven ability to produce high-quality work while maintaining a positive attitude.
  • Bachelor's degree in business administration or equivalent experience.
  • 3-5 years of experience in a related field.
  • Experience in underwriting is a plus.
  • Comprehensive understanding of mortgage loan products and underwriting guidelines.
  • Knowledge of federal, state, and local laws related to mortgage processing.
  • Familiarity with Encompass, Desktop Underwriter, and Loan Prospector is preferred but not required.
  • Proficient in commonly used software applications, including Microsoft Office Suite.
  • Ability to maintain confidentiality of sensitive information.
  • Strong skills in a typical office environment, including computer proficiency and the use of office equipment.