Inside Mortgage Loan Consultant - Consumer Direct

First United Bank; Plano (TX); On-site; USD 50,000 - 70,000; Full time

Job summary

First United Bank in Plano is seeking an Inside Mortgage Loan Consultant to focus on originating and closing retail mortgage loans. The position emphasizes customer service and sales skills, requiring a high school diploma, an NMLS license, and two years of experience in mortgage sales.

The consultant will be responsible for managing loan applications, educating clients, and ensuring compliance with regulations. A detailed and energetic approach to mortgage sales is crucial for success in this role.

Qualifications

• Must have 2 years of experience in mortgage sales preferably in a Consumer Direct environment.
• Proven record of closing and supporting mortgage customers.
• Must comply with all compliance exams annually.

Responsibilities

• Originate and close mortgage loans from referred customers.
• Counsel borrowers through the application and closing process.
• Demonstrate follow-up techniques to improve conversion rates.

Skills

Organizational skills

Verbal communication

Written communication

Interpersonal communication

Technical knowledge of bank and mortgage

Detail-oriented

Education

High School diploma or GED

Active NMLS or Federally Registered NMLS license

Tools

Loan origination systems (e.g., Encompass)

Pricing engines

Lead management systems

Job description

Inside Mortgage Loan Consultant (IMLC) is responsible for originating and closing mortgage loans referred via existing mortgage or banking customers not represented by an MLC. This inside sales position focuses on originating retail mortgage loans through internal referrals and company-generated leads in a fast‑paced, goal‑oriented environment. The role directly supports origination objectives and delivers the highest level of customer service to employees and existing customers.

Major Duties and Responsibilities

• Uses interpersonal and communication skills to support facilitation of mortgage loans referred via existing mortgage or banking customers.
• Cross‑sells First United Bank products and services.
• Works with bank personnel to promote First United in assigned markets.
• Conducts outbound and inbound mortgage sales calls to educate and engage refinance candidates.
• Maintains accurate and detailed records in CRM and loan origination systems.
• 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.
• Explains 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, required credit explanation letters and executed application forms to the processing team.
• Counsels the borrower through the application, approval and closing process—including review of the HUD settlement statement with the borrower prior to closing.
• Demonstrates excellent follow‑up techniques to ensure strong application‑to‑close conversion rates.
• Partners with processing and underwriting teams to ensure seamless and efficient loan experience.
• 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 ensures compliance with all borrower requirements.

Additional Duties and Responsibilities

• Adherence to all First United Policies and Procedures.
• Complete all required compliance exams on an annual basis.
• Perform other duties as assigned.
• Dress professionally.

Required Education and Work Experience

• High School diploma or GED required.
• Active NMLS or Federally Registered NMLS license.
• Prefer two (2) years’ experience in mortgage sales within a Consumer Direct or refinance environment.
• Proven record of success for closing and supporting mortgage customers.

Knowledge and Skills Requirements

• Possession of strong organizational skills.
• Excellent verbal and written communication skills.
• Exceptional interpersonal communication skills.
• Ability to work independently on assigned tasks as well as accept directions on given assignments.
• Demonstrated technical knowledge of bank, mortgage, federal and state lending and compliance/regulatory matters.
• Proficient in loan origination systems (e.g., Encompass).
• Familiarity with pricing engines and lead management systems.
• Solid understanding of residential mortgage products including conventional, FHA and VA loan programs.
• Self‑motivated, energetic, and results‑oriented with high attention to detail.

Physical Demand

Sedentary work that primarily involves sitting/standing.

Location

All Locations: Plano-Parkwood

Contact for Disability Accommodation

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at [e-mail] for assistance.

Equal Opportunity Employer

First 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.