What are the responsibilities and job description for the Consumer Direct Loan Officer position at Cornerstone Capital Bank?
Who we are:
Cornerstone Servicing, a division of Cornerstone Capital Bank, is a best-in-class mortgage servicer with a reputation for amazing service, customer satisfaction, employee retention and happiness! We employ people who are passionately committed to Cornerstone’s Mission, Vision & Core Convictions.
We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.
Who we are looking for:
Cornerstone Capital Bank is looking for an experienced Consumer Direct Mortgage Loan Officer who can drive amazing and deep relationships with our Customers. This professional will partner with our team to assist in securing financing for their home mortgage needs. The Consumer Direct Mortgage Loan Officer will monitor the customer application from application to funding and maintain the operational standards set forth by the Lender.
Key Responsibilities:
- Meet with potential customers to determine the best loan program for their individual needs by analyzing income, assets, credit, and property
- Manage the loan pipeline with team members to meet company efficiency standards
- Communicate positively and professionally with operations staff throughout the process of the loan to ensure a smooth transaction
- Read and understand rate sheets, product codes, loan level price adjustments in order to calculate rates and fees
- Maintain product knowledge and stay up to date on changes to market conditions
- Negotiate and confirm rates, fees, and lock terms with customer
- Lock loans in the system with agreed upon terms
- Communicate regularly with borrowers to meet desired expectations
- Maintain minimum productivity goals
- Comply with organizational standards, polices, and procedures
- Comply with all applicable laws and regulations related to residential mortgage lending
What you’ll need to be successful:
- 3-5 years of experience in the Mortgage Lending industry as an Originator
- Excellent Communications Required
- Ability to work within a team environment or independently
- Ability to prioritize work-load and handle multiple tasks
- Strong Organizational, problem-solving and analytical skills required
- Strong knowledge of Microsoft Office Suite
- Previous working with Black Knight MSP, LoanSoft, Empower, SalesForce or Surefire a plus
- High School Diploma or equivalent required
What we offer:
Because we recognize and reward hard work, we offer a competitive salary, a full benefits package, and the potential for a performance-based bonus.
What to do next:
If Cornerstone sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you're a part of our Cornerstone team, we'll continue to invest in you as a valuable asset to our company. As many of our team members can tell you, there's something special about working at Cornerstone.
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
