Mortgage Advisor

5 days ago

Columbia, MD, United States Pinnacle Bank Full time


At Pinnacle, our goal is to create an atmosphere where people become fully engaged, enjoy what they're doing and be successful. We work to ensure that every associate embraces what makes Pinnacle different and unique. For us, it starts with hiring the right people.

  • We hire like-minded individuals who share our values of Integrity, Fairness, Learning, Results, Partnership, Balance, and Discipline.
  • We hire experienced professionals who understand the industry and provide effective advice.
  • We hire candidates who demonstrate a passion for client service. People who understand that distinctive service is more than smiling and being friendly - it's about creating a client experience that is unmatched.

But attracting the right people is only half the battle. We have to ensure that every associate understands their actions affect the outcomes of the firm. Our Position Descriptions are not designed to list every aspect of a position but to serve as a general overview.

SUMMARY OF POSITION:

A Mortgage Advisor should demonstrate commitment to delivering distinctive service. This position will be responsible for originating substantial mortgage loan volume and loan revenue in accordance with Pinnacle's values and mission as well as investor underwriting guidelines to assure timely loan funding and comply with all state, federal and investor compliance requirements, and regulations.

PRIMARY RESPONSIBILITIES:

  • Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve client issues. Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings).
  • Market mortgage products and services provided by Pinnacle Mortgage.
  • Pre-qualify client prospects in a thorough and timely manner.
  • Complete mortgage loan applications. Accept, prepare, and complete loan applications for submission to the loan processing and underwriting departments.
  • Maintain contact with client, setting expectations regarding the timeline of the application process, ensuring to communicate the progress of loan, any expectations during the loan process, and any required documentation and timeline for that documentation.
  • Communicate required conditions and/or documentation to client and set expectations regarding expectation regarding the timeline of returning required documentation. Communicate timeline of application and closing process.
  • Maintain current knowledge of mortgage industry. Stay up to date with current mortgage trends, products, policies, and processes.
  • Ensure compliance with the Firm's credit and mortgage lending policies and Federal regulations for all loans under their responsibility.
  • Analyze detailed financial and credit data, matching the client's mortgage needs with the appropriate loan program and risk appetite, and communicate the final credit decision to the client.
  • Run and review AUS findings on each file.
  • Request a rate lock, or rate lock extensions.
  • Communicate with the Mortgage Operations team to ensure all information regarding the Mortgage Loan is included in the loan file.
  • Work with Underwriting and Client on restructures, if applicable.
  • Address changes of circumstance.
  • Meet regularly with Mortgage Client Coordinator to manage and review mortgage pipeline and close list.
  • Meet all the client's financial needs, both business and personal, and refer clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate.
  • Assist other team members as needed to ensure delivery of distinctive service.
  • Perform other related duties and responsibilities as assigned.

DESCRIPTION OF EXPERIENCE, EDUCATION, AND TRAINING:

  • High School Diploma or Equivalent - College degree is preferred.
  • Minimum of 10 years' experience in financial services primarily in mortgage lending and mortgage production.
  • Nationwide Mortgage Licensing System and Registry (NMLS) registration required.
  • Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software.
  • Knowledge of federal and state banking regulations and compliance.
  • Knowledge of Fannie Mae, Freddie Mac, FHA, USDA, VA, & Jumbo loan underwriting guidelines.
  • Broad knowledge of bank products and services.

DESCRIPTION OF CAPABILITIES, PHYSICAL REQUIREMENTS, AND ABILITIES:

  • Excellent verbal and written communication skills.
  • Excellent organizational and critical thinking skills with a strong attention to detail.
  • Effective sales acumen and negotiation skills.
  • Effective interpersonal skills, including public speaking and presentation skills.
  • Must be able to multi-task competing priorities to meet tight deadlines.
  • Excellent client service skills. Tact and diplomacy in dealing with both clients and associates.
  • The physical activities of this job include but are not limited to the ability to stand and sit for prolonged periods of time, use of manual dexterity, verbal communication, visual acuity, repetitive motion, and the ability to hear. Often long periods of mental concentration are required. Other activities are the ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.

POSITION STATUS: NON-EXEMPT

DATE: 03.15.2022

Pinnacle is an Equal Opportunity and Affirmative Action Employer committed to supporting a culture of inclusivity that builds a diverse workforce so we can support the many different communities we serve. All otherwise qualified associates and applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender expression and/or identity, national origin, age (40 and over), genetic information, disability, protected military or veteran status, pregnancy or pregnancy-related conditions, or other status protected by law.

  • Mortgage Loan Officer

    6 days ago

    Columbia, MD, United States Fulton Bank, N.A. Full time

    Mortgage Loan Officer - Outside SalesJob Locations US-PA-Remote | US-DC-Washington | US-MD-Gaithersburg | US-VA-Herndon | US-VA-Manassas | US-MD-Columbia | US-MD-FrederickRequisition ID 2024-20165Location NameRemoteCountyLancasterCategory Mortgage BankingPosition Type (Portal Searching) Full-TimeFLSA Status ExemptValue PropositionOur values define us...

  • Mortgage Loan Officer

    1 week ago

    Columbia, MD, United States Fulton Bank, N.A. Full time

    Mortgage Loan Officer - Outside SalesJob Locations US-PA-Remote | US-DC-Washington | US-MD-Gaithersburg | US-VA-Herndon | US-VA-Manassas | US-MD-Columbia | US-MD-FrederickRequisition ID 2024-20165Location NameRemoteCountyLancasterCategory Mortgage BankingPosition Type (Portal Searching) Full-TimeFLSA Status ExemptValue PropositionOur values define us...

  • Mortgage Loan Officer

    3 days ago

    Columbia, MD, United States Fulton Bank, N.A. Full time

    Mortgage Loan Officer - Outside SalesJob Locations US-PA-Remote | US-DC-Washington | US-MD-Gaithersburg | US-VA-Herndon | US-VA-Manassas | US-MD-Columbia | US-MD-FrederickRequisition ID 2024-20165Location NameRemoteCountyLancasterCategory Mortgage BankingPosition Type (Portal Searching) Full-TimeFLSA Status ExemptValue PropositionOur values define us...

  • Financial Solutions Advisor- Chesapeake Market

    2 weeks ago

    Columbia, MD, United States Bank of America Full time

    Financial Solutions Advisor- Chesapeake Market Hyattsville, Maryland;Ellicott City, Maryland; Laurel, Maryland; Hanover, Maryland; Columbia, Maryland To proceed with your application, you must be at least 18 years of age. Acknowledge Refer a friend To proceed with your application, you must be at least 18 years of age. Acknowledge

  • Financial Solutions Advisor- Chesapeake Market

    16 hours ago

    Columbia, MD, United States Bank of America Full time

    Financial Solutions Advisor- Chesapeake Market Hyattsville, Maryland;Ellicott City, Maryland; Laurel, Maryland; Hanover, Maryland; Columbia, Maryland To proceed with your application, you must be at least 18 years of age. Acknowledge Refer a friend To proceed with your application, you must be at least 18 years of age. Acknowledge

  • Financial Solutions Advisor

    2 weeks ago

    Columbia, MD, United States Bank of America Full time

    Financial Solutions Advisor - Howard County, MD Ellicott City, Maryland;Columbia, Maryland; Columbia, Maryland; Glen Burnie, Maryland To proceed with your application, you must be at least 18 years of age. Acknowledge Refer a friend To proceed with your application, you must be at least 18 years of age. Acknowledge

  • Financial Solutions Advisor

    23 hours ago

    Columbia, MD, United States Bank of America Full time

    Financial Solutions Advisor - Howard County, MD Ellicott City, Maryland;Columbia, Maryland; Columbia, Maryland; Glen Burnie, Maryland To proceed with your application, you must be at least 18 years of age. Acknowledge Refer a friend To proceed with your application, you must be at least 18 years of age. Acknowledge

  • Loan Officer

    1 week ago

    Columbia, MD, United States NewRez LLC Full time

    Exceed the expectations of our residential mortgage borrowers & business partners through superior service, simple processes, and effective communications.We deliver on this mission by empowering our employees by encouraging and recognizing superior performance and innovative solutions, by promoting teamwork and divisional cooperation. Principal Duties Sell...

  • Loan Officer

    2 weeks ago

    Columbia, MD, United States NewRez LLC Full time

    Exceed the expectations of our residential mortgage borrowers & business partners through superior service, simple processes, and effective communications.We deliver on this mission by empowering our employees by encouraging and recognizing superior performance and innovative solutions, by promoting teamwork and divisional cooperation. Principal Duties Sell...

  • Senior Home Lending Advisor

    3 days ago

    Columbia, South Carolina, United States JPMorganChase Full time

    SummaryJOB DESCRIPTIONJoin our fun, high-energy team as a Senior Home Lending Advisor in Chase Home Lending and put your exceptional knowledge and understanding of home lending products to good use by serving as your customers' chief point of contact throughout the life of the loan while the Home Lending team supports you by sharing demonstrated knowledge in...

  • Merrill Financial Solutions Advisor Columbia, SC Office

    3 weeks ago

    Columbia, United States Bank of America Full time

    Financial Advisor OpportunityAt Bank of America, we're guided by a common purpose to help make financial lives better by connecting clients and communities to the resources they need to be successful. Make a difference where it counts by joining our industry-leading wealth management team at Bank of America and Merrill. We're looking for the next generation...

  • Financial Solutions Advisor- Chesapeake Market

    2 weeks ago

    Columbia, United States Maryland Staffing Full time

    Financial Solutions Advisor - Chesapeake MarketAt Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities, and shareholders every day. Being a Great Place to Work is core to how we drive...

  • Financial Solutions Advisor II

    2 weeks ago

    Columbia, SC, United States Bank of America Full time

    Financial Solutions Advisor II - Columbia Metro Columbia, South Carolina;Columbia, South Carolina; Columbia, South Carolina; Columbia, South Carolina; Columbia, South Carolina; Columbia, South Carolina; Columbia, South Carolina To proceed with your application, you must be at least 18 years of age. Acknowledge Refer a friend To proceed with your application,...

  • Real Estate Attorney

    1 day ago

    Columbia, United States JobTracks Full time

    We have been retained by an established multi-state real estate and creditors' rights law firm who is seeking a qualified attorney to join its South Carolina practice. This position offers a competitive salary and a comprehensive benefits package tailored to experience.Job Requirements: Must be a member in good standing of the South Carolina State Bar and...

  • Senior Relationship Banker

    1 week ago

    Columbia, United States First Horizon Full time

    Senior Relationship BankerJob Category: BankingLocation: Onsite at Columbia Main St, 1320 Main Street, STE 175, Columbia, SC 29201, USASummaryThe Relationship Banker is a trusted advisor who engages clients in meaningful, consultative conversations to understand their financial goals and align on solutions that meet their needs. In this role, you will drive...

  • Financial Solutions Advisor II

    2 weeks ago

    Columbia, United States Bank of America Full time

    Job Opportunity At Bank Of AmericaAt Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities, and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth....

  • Senior Relationship Banker

    7 days ago

    Columbia, United States First Horizon Bank Full time

    Location: Onsite at the location listed in the job posting. Weekly Scheduled Hours: Monday through Friday 9:00AM to 5:00PM SUMMARY The Relationship Banker is a trusted advisor who engages clients in meaningful, consultative conversations to understand their financial goals and align on solutions that meet their needs. In this role, you will drive growth by...

  • Relationship Banker II

    1 week ago

    Columbia, United States Simmons Bank Full time

    It's Fun To Work In A Company Where People Truly Believe In What They're Doing!Simmons Bank is a dynamic regional community bank with the full financial capabilities to meet the unique needs of our customers. We believe in empowering our associates to be a trusted advisor while providing them with the resources of a traditional bank supported by cutting edge...

  • Financial Solutions Advisor

    1 week ago

    Columbia, United States Bank of America Full time

    Financial AdvisorThis job is responsible for providing comprehensive advice and customized solutions to clients to help them achieve their financial goals. Key responsibilities include triaging client leads, making referrals to business partners based on client needs and asset thresholds, meeting with clients to review financial and investment goals,...