Mortgage Advisor-Daphne

Synovus Financial Corp; Daphne, Northern (AL, KY); Hybrid; USD 55,000 - 90,000; Full time

Job summary

Synovus Financial Corp is seeking a Mortgage Advisor to originate substantial loan volume and revenue in line with Pinnacle's values. The MA will ensure timely funding by understanding underwriting guidelines and regulatory requirements, while delivering distinctive service to clients and prospects.

The role involves pre-qualifying clients, preparing and submitting loan applications, running AUS findings, coordinating rate locks, and managing the mortgage pipeline with cross-functional teams to

Qualifications

• Minimum Education: High School Diploma or Equivalent; College degree preferred.
• At least 10 years in financial services, especially mortgage lending/production.
• Must have NMLS registration and strong knowledge of USP/industry regulations.

Responsibilities

• Provide distinctive service to clients and prospects, in person and over the phone.
• Pre-qualify clients and match mortgage needs with loan programs and risk appetite.
• Complete mortgage loan applications and coordinate with processing and underwriting teams.
• Review AUS findings and manage rate locks and extensions as applicable.
• Maintain client contact through submission and closing timelines; set expectations.
• Communicate loan decisions and required documents to clients; manage pipeline with Mortgage Client Coordinator.
• Ensure compliance with credit and mortgage lending policies and federal regulations.
• Stay current on mortgage industry trends, products, policies, and processes.
• Refer clients to other specialty areas as appropriate and assist team members as needed.

Skills

NMLS registration

Microsoft Office

Banking regulations

Fannie Mae underwriting

Freddie Mac underwriting

FHA underwriting

USDA underwriting

VA underwriting

Jumbo underwriting

Verbal and written communication

Organizational & critical thinking

Sales and negotiation

Interpersonal skills

Public speaking

Multi-tasking

Client service

Attention to detail

Education

High School Diploma or Equivalent

College degree preferred

Tools

Microsoft Office

Job description

A Mortgage Advisor (MA) should demonstrate commitment to delivering distinctive service. This position will be responsible for originating substantial mortgage loan volume and loan revenue in accordance with Pinnacle's values and mission. The MA should be knowledgeable of underwriting guidelines to assure timely loan funding and compliant with all state/federal regulations and investor requirements.

Job Duties and Responsibilities

• Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve client issues. Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings). Market mortgage products and services provided by Pinnacle Mortgage. Pre-qualify client prospects in a thorough and timely manner, matching the client's mortgage needs with the appropriate loan program and risk appetite. Complete mortgage loan applications. Work with client to prepare and complete loan applications for submission to the loan processing and underwriting teams. Run and review AUS findings on each file, if applicable. Request a rate lock or rate lock extensions. Maintain contact with client prior to loan submission, setting expectations regarding the timeline of the application and closing process and client requirements. Communicate loan decision to client and set expectations regarding the timeline of returning required documentation. Meet regularly with Mortgage Client Coordinator to manage and review mortgage pipeline. Work with Client Coordinator to manage client escalations. Communicate with the Mortgage Operations team to ensure all information regarding the Mortgage Loan is included in the loan file. Work with Underwriting and Client on restructures, if applicable. Address changes of circumstance. Ensure compliance with the Firm's credit and mortgage lending policies and Federal regulations for all loans under their responsibility. Maintain current knowledge of mortgage industry. Stay up to date with current mortgage trends, products, policies, and processes. Meet all the client's financial needs, both business and personal, and refer clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate. Assist other team members as needed to ensure delivery of distinctive service. Perform other related duties and responsibilities as assigned.

The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Pinnacle is an Equal Opportunity Employer committed to fostering an inclusive work environment.

Minimum Education: High School Diploma or Equivalent -- College degree is preferred.

Minimum Experience: Minimum of 10 years' experience in financial services, primarily in mortgage lending and mortgage production.

Required Knowledge, Skills & Abilities: Nationwide Mortgage Licensing System and Registry (NMLS) registration required. Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software. Knowledge of federal banking regulations and compliance requirements. Knowledge of Fannie Mae, Freddie Mac, FHA, USDA, VA, & Jumbo loan underwriting guidelines. Broad knowledge of bank products and services. Excellent verbal and written communication skills. Excellent organizational and critical thinking skills with a strong attention to detail. Effective sales acumen and negotiation skills. Effective interpersonal skills, including public speaking and presentation skills. Must be able to multi-task competing priorities to meet tight deadlines. Excellent client service skills. Tact and diplomacy in dealing with both clients and team members. The physical activities of this job include but are not limited to the ability to stand and sit for prolonged periods of time, use of manual dexterity, verbal communication, visual acuity, repetitive motion, and the ability to hear. Often long periods of mental concentration are required. Other activities are the ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp. This position may require successful registration and issuance of a unique identification number from the Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE ACT). Registration must be accomplished within an established timeframe after initial employment and includes a nationwide finger print check.

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Synovus is an equal opportunity employer committed to fostering an inclusive work environment. 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.

Applicants with Disabilities: All interested and qualified candidates are invited to apply for employment opportunities with Synovus. If you are an applicant with a disability who is unable to use our online tools to search and apply for jobs, please contact us at [e-mail] .

Pinnacle Bank, a Tennessee bank, d/b/a Synovus Bank