First United Bank and Trust
Mortgage Loan Consultant
First United Bank and Trust, Dallas, Texas, United States, 75215
Join Our Team!We have a great team of friendly, talented and inspiring people at First United. As a learning organization, we take pride in offering exciting opportunities for employees to grow and follow their passions. That's one of the many reasons First United has been voted as one of the top places to work in Oklahoma since 2009! Browse this page to find out more about the First United culture and the many benefits of working here. Then, use our "Get Started" section to take your first step to being a part of First United.The Position
Job Title:
Mortgage Loan ConsultantSUMMARYThe primary role of a Mortgage Consultant is to originate and close mortgage loans through extensive marketing initiatives as well as new and existing relationships. The Mortgage Consultant position is an outside sales position responsible for originating retail mortgage loans through external sources. This position is directly responsible for origination objectives and sales strategies that will expand market share.MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)Uses interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals.Cross sells First United Bank products and services.Works with bank personnel to promote First United in assigned markets.Takes thorough and complete loan applications; analyzes and pre-qualifies applicant information to determine viability of the client's desired loan program.Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower's statements and loan application.Determines the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product.Submits the loan application, preliminary income verification documents, preliminary asset verification documents, loan disclosures, any required credit explanation letters and executed application forms to processing.Counsels the borrower through the application, approval and closing process - including review of the HUD settlement statement with the borrower prior to closing.Attends closings and ensures great customer service throughout the process.Meets minimum expectations for First United best practices and production standards.Attends assigned production meetings.Provides exceptional customer service, maintains high ethical standards, and insures compliance with every borrower.ADDITIONAL DUTIES AND RESPONSIBILITIESPerforms other duties as requested by Executive Management or Supervisor.Completes all required compliance exams on a yearly basis.Adherence to all First United Policies and Procedures.Dresses professionally.EMPLOYEE SPECIFICATIONSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below 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.Education and Work ExperienceHigh School diploma or GED required.MUST have at least two years experience in mortgage lending environment.Proven record of success for generating sales in a mortgage lending environment.MUST be currently working as a Mortgage Loan Consultant closing a minimum of 2 self-sourced loans per month.Technical/Functional CompetenciesPossession of strong organizational skills.Excellent verbal and written communication skills.Exceptional interpersonal communication skills.Ability to work independently on assigned tasks as well as to accept direction on given assignments.Demonstrated technical knowledge of Bank, Mortgage, Federal and State lending and compliance/regulatory matters.NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.Equal Opportunity EmployerFirst United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.
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Job Title:
Mortgage Loan ConsultantSUMMARYThe primary role of a Mortgage Consultant is to originate and close mortgage loans through extensive marketing initiatives as well as new and existing relationships. The Mortgage Consultant position is an outside sales position responsible for originating retail mortgage loans through external sources. This position is directly responsible for origination objectives and sales strategies that will expand market share.MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)Uses interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals.Cross sells First United Bank products and services.Works with bank personnel to promote First United in assigned markets.Takes thorough and complete loan applications; analyzes and pre-qualifies applicant information to determine viability of the client's desired loan program.Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower's statements and loan application.Determines the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product.Submits the loan application, preliminary income verification documents, preliminary asset verification documents, loan disclosures, any required credit explanation letters and executed application forms to processing.Counsels the borrower through the application, approval and closing process - including review of the HUD settlement statement with the borrower prior to closing.Attends closings and ensures great customer service throughout the process.Meets minimum expectations for First United best practices and production standards.Attends assigned production meetings.Provides exceptional customer service, maintains high ethical standards, and insures compliance with every borrower.ADDITIONAL DUTIES AND RESPONSIBILITIESPerforms other duties as requested by Executive Management or Supervisor.Completes all required compliance exams on a yearly basis.Adherence to all First United Policies and Procedures.Dresses professionally.EMPLOYEE SPECIFICATIONSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below 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.Education and Work ExperienceHigh School diploma or GED required.MUST have at least two years experience in mortgage lending environment.Proven record of success for generating sales in a mortgage lending environment.MUST be currently working as a Mortgage Loan Consultant closing a minimum of 2 self-sourced loans per month.Technical/Functional CompetenciesPossession of strong organizational skills.Excellent verbal and written communication skills.Exceptional interpersonal communication skills.Ability to work independently on assigned tasks as well as to accept direction on given assignments.Demonstrated technical knowledge of Bank, Mortgage, Federal and State lending and compliance/regulatory matters.NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.Equal Opportunity EmployerFirst United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.
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