What are the responsibilities and job description for the Mortgage Executive - Charlotte position at BankTalent HQ?
ESSENTIAL RESPONSIBILITIES
- Cultivate outside referrals from realtors, builders, and financial planners.
- Cultivate referrals for deposit relationships.
- Assist clients in achieving their financial goals and managing their mortgages more effectively.
- Analyze data and assist clients in assessing possible courses of action and ultimately making recommendations that best suit the client's needs.
- Assist loan processor during the loan process.
- Assist realtors and builders with open houses.
- Comprehensive knowledge of FNMA and FHLMC, and investor guidelines and regulations.
- Keep up to date knowledge of real estate market trends.
- Answer client calls and take walk in clients to discuss various loan products and qualification information.
- Make sales calls on potential or existing clients as established in marketing plan to develop new business or retain existing business.
- Evaluate loan requests, analyze financial data, and determine qualification of collateral and client credit history.
- Structure loan to comply with acceptable lending practices and Federal regulations.
- Work with the borrower during the loan process.
- Read surveys and appraisals and take necessary steps to correct encroachments and violations.
- Qualify loan for final approval.
- Maintain contact with loan client, communicating progress of loan and obtaining any required documentation.
- Prepare files for underwriting, loan committee, private mortgage insurance company and investor including preparation of loan approval sheet.
- Participate in worthwhile community activities to network, promote and enhance the bank's integrity in the community through professional, business and community organizations and activities to promote and market loan products.
- Process effective and proven sales experience.
- Attend loan closings.
- Attend realtor and builder functions.
- Follow up with borrowers after loan has closed.
- Handle company funds.
- Complete other duties as assigned.
ADDITIONAL RESPONSIBILITIES OR DETAILS
ESSENTIAL SKILLS, EDUCATION AND EXPERIENCE
WORK CONDITIONS
This description is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent an expressed or implied contract of employment nor does it alter your at-will employment , and the Company reserves the right to change this job description and / or assign tasks for the employee to perform, as the Company may deem appropriate.
Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
