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Job location: , ID

BASIC FUNCTION

Meet with new and existing clients to take applications for residential mortgage loans; engage in marketing efforts to build client base and increase business; work with the operations staff to facilitate the processing and closing of mortgage loans; stay current on mortgage laws, rules and regulations and always maintain individual licensing in good standing.

ESSENTIAL DUTIES

  1. Meet with borrowers to take applications for purchase and refinance transactions.
  2. Engage in marketing efforts to increase business, client, and referral base.
  3. Pull the borrower(s) credit report(s), copy borrower documentation; put file in proper stacking order; pre-qualify the borrower; quote price according to Loan Originator pricing guidelines and input the information into approved LOS.
  4. Work with the processor and other operations staff to facilitate the quick and smooth closing of the transaction.
  5. Communicate with realtor and borrower on any additional needs and status updates.
  6. Lock the loan with the Secondary Marketing Department.
  7. Meet with processor on a routine basis to review pipeline.
  8. Meet continuing education requirements as required by each state and the NMLS.
  9. Attend training as required by PMR from time to time.
  10. Keep current on FHA/VA/USDA/Conventional changes and guidelines as communicated by underwriting or operations or external sources.
  11. Ensure that an environment of teamwork is always maintained.
  12. Maintain the highest possible level of customer service.
  13. Interface with other departments as necessary to ensure the smooth operation and growth of the Organization.
  14. Other duties as assigned.

STANDARDS OF PERFORMANCE / MINIMUM QUALIFICATIONS

  1. Minimum of 2 years of mortgage and/or sales experience preferred.
  2. Closes an average of 3 loans per month.
  3. Greater than 95% of loans are correspondent loans.
  4. Greater than 80% of production is purchase transactions.
  5. Communicates challenges and opportunities to Manager.
  6. Ability to be flexible, multi-task and organize priorities in a fast-paced work environment, while maintaining a high level of focus and accuracy.
  7. Effective verbal and written communications skills
  8. Knowledge of mortgage industry practices and regulations
  9. Strong analytical skills combined with sound judgment and decision-making abilities.
  10. High level of professionalism and ability to maintain confidentiality.
  11. Strong customer service values and the ability to deliver a high level of responsiveness to both internal and external customers.
  12. High level of computer literacy
  13. Maintain knowledge and adhere to all regulations and compliance standards on internal and external policies.
  14. The desire and ability to abide by our four pillars of: Advocacy, Excellence, Integrity, and Accountability.

 

The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

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