Mortgage Loan Consultant

Exchange Bank Admin, 545 Fourth St, Santa Rosa, CA 95401, USA

Generate new residential mortgage business from Bank referrals and from sources outside the Bank.

Sales and Service: 90%

• Market and actively promote Bank and wholesale lenders products and services to retain and grow current client base.
• Solicit new business, and grow existing business, through prospecting, telephone consulting, referrals, events, open house, realtor functions, mailers and in-person calling.
• Refer clients to other Bank departments for additional financial service products.
• Attend community events to promote business and demonstrate the Bank’s community support and presence as a home loan lender.
• Listen to customer’s loan request, purpose and needs to identify appropriate products.
• Analyze and understand the customer’s financial ability to repay the debt by reviewing their tax returns, paystubs, etc. and computing their qualifying income/debt ratios to offer appropriate products.
• Provide the customer with potential financing options that meets both the customer’s request/desire and the underwriting guidelines of the loan program recommended.
• Obtain and provide the Loan Processing department with the customer’s supporting documents needed to fund the loan.
• Keep both the customer and the Loan Processor informed of the status of the loan progress.
• Follow-up with customers to ensure satisfaction, strengthen the relationship and cross-sell additional products.
• Build strong referral relationships through loan agents database, realtors, builders, financial planners, insurance agents, etc.
• Facilitate loan process from loan application through closing including coordinating time sensitive activities between loan processors, insurance and title companies, realtors, lender, appraisers, and the customer.

10%

• Perform special projects and research as assigned.
• Perform other duties as assigned.

None

• Business Acumen:
  Demonstrates thorough understanding of a wide range of elements of the Bank’s business and the customers, industries, and partners with which the Bank is involved; has knowledge of competitor offerings, and understands the Bank’s related products and services, as well as existing gaps.
• Customer Service:
  Provides internal and external customers with the products and services that match their needs in a timely, efficient manner; follows up on customer complaints, questions, and requests.
• Prioritization/Time Management:
  Assesses multiple tasks or issues which are competing for a limited amount of time or resources and determines the order in which each will be addressed; sets priorities, goals, and timetables to achieve maximum productivity; tracks both completed and incomplete activities.
• Product Knowledge:
  Demonstrates a working knowledge of the features and benefits of the products and services offered, and understands how those features benefit customers.
• Relationship Building/Networking:
  Gains trust and confidence through interactions with prospective and existing clients, and personnel; focuses on cultivating relationships that are long-term and professional; builds relationships with a variety of people within the banking industry for the purpose of sharing information and/or resources.
• Sales:
  Understands the steps necessary to identify potential customers and secure agreement with customer for service; meets or exceeds sales targets by applying the sales process in a variety of selling situations and to a variety of customers.
• Verbal Communication:
  Expresses ideas effectively in individual and group situations adjusting style and methods to meet the specific needs of the audience; attentively listens to others to gather data and paraphrase meaning to verify understanding.
• Written Communication:
  Uses correct English grammar, punctuation, and spelling; communicates information (for example facts, ideas, or messages) in a succinct and organized manner; produces written information, which may include technical material that is appropriate for the intended audience.

• Knowledge of loan underwriting procedures.
• Knowle…