Mortgage Consultant, Loans | Northwest Florida Region

Position

Mortgage Consultant – Capital City Home Loans

Mon - Fri, 40 Hours

The Mortgage Consultant pro‑actively markets and promotes Capital City Home Loans’ financial products to meet established loan quality and production goals. The consultant represents the company in a professional and enthusiastic manner, delivering an exceptional level of client service and supporting core values in all functions and interactions.

The role requires continuous identification, development, and maintenance of a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities. The consultant’s network may include real‑estate professionals, builders, personal and professional contacts, and other valuable referral sources, expanded through participation in business‑related development opportunities, community efforts to promote home ownership, and professional organizations.

• Market and promote Capital City Home Loans’ financial products to the business community including builders, developers, real‑estate brokers, financial institutions, friends, and family.
• Ensure exceptional client service by overseeing the loan process from origination to close and providing ongoing communication to clients and partners.
• Collect and analyze financial documentation from borrowers and advise them of their lending options.
• Recommend appropriate loan programs based on the borrower’s needs and financial circumstances, including credit history, assets, debts and loan amount.
• Ensure loan applications are complete, legible, signed and detailed prior to submission.
• Collect supporting loan documentation as required and provide a complete package to the processor.
• Obtain Capital City Home Loans’ float/lock letter at the time of the loan application with the float or lock portion completed.
• Lock the loan through the lock desk and respond promptly to all calls regarding interest rates.
• Work with processors to ensure all loan conditions are met.
• Develop a business referral network from outside sources through networking activities, prospecting, cold‑calling, and marketing.
• Participate in community efforts to promote home ownership.
• Attend and complete all required training.

• Provide additional support to the manager and department colleagues.
• Complete all assigned and required bank training within established timelines.

• Knowledge of product manuals and all company loan programs and their requirements.
• Up‑to‑date understanding of federal, state and local laws, regulations, and agencies relevant to mortgage lending.
• Clear verbal and written communication skills across a variety of audiences.
• Strong time‑management and organizational skills.
• Ability to analyze complex financial data and provide financial alternatives.
• Proficient computer skills.
• Professional and effective interpersonal skills.
• Knowledge of mortgage processing, underwriting and closing procedures.

Bachelor’s Degree from an accredited college required. Minimum of 1‑year residential mortgage lending experience with a focus on generating self‑sourced business. Relevant experience may substitute for the education requirement.

Verifiable, established network of referral business, including real‑estate professionals and other centers of influence.

• In the rare event of a major disaster or disruption, relocation or telecommuting may be necessary to ensure business continuity.

• Medical, Dental and Vision
• Life Insurance
• 401(k) with Matching
• Flexible Spending Accounts
• Tuition Assistance
• Stock Purchase
• Discounts on Products and Services

Capital City Home Loans is an Equal Opportunity Employer and welcomes applications from all qualified individuals regardless of race, color, religion, sex, national origin, disability status, veteran status or any other protected class.

This job description does not constitute an employment agreement. It may be amended by the employer at any time and does not limit the company’s ability to reassign or eliminate duties as needed.