Mortgage Loan Consultant

Fifth Third Bank, N.A.; Olde West Chester (OH); On-site; USD 45,000 - 75,000; Full time

Job summary

Fifth Third Bank, N.A. is seeking a Mortgage Loan Consultant to originate residential 1st mortgage loans for outside referrals in West Chester, OH.

You will manage the loan from application to closing, maintaining excellent customer service and aligning with One Bank objectives. You will build referral networks, master underwriting and pricing procedures, and coordinate with branches to keep clients informed throughout the process.

Qualifications

• High school diploma or equivalent mandatory.
• Four-year college degree preferred.
• Demonstrated organizational skills.
• Strong written and verbal communications skills.
• Demonstrated teamwork and customer service skills.
• Ability to maintain optimism and focus on goals.
• Proven computer skills.
• Basic sales technique skills.
• Strong desire to excel in a competitive environment.
• S.A.F.E. Act registration required at employment.

Responsibilities

• Develop internal and external referral contacts (realtors, builders, professionals, COIs).
• Learn and master all aspects of the mortgage loan originator position (agency, portfolio guidelines, processing, underwriting, closing, pricing).
• Maintain knowledge of policies, available loan products, processing procedures, and guidelines; complete training on time.
• Escalate underwriting and pricing exceptions as defined.
• Take applications by completing URLA on laptop.
• Use technology for communicating, rates, credit reports, and uploading files.
• Collect documentation and deliver loan packages within management timeframes.
• Manage pipeline for originated loans through closing.
• Provide updates/status reports to branches and applicants.
• Maintain high levels of customer service and Fifth Third expectations.
• Attend Mortgage and Consumer Lending sales meetings/trainings.

Skills

Written & verbal communications

Customer service

Sales mindset

Teamwork

Education

High school diploma or equivalent

Four-year college degree preferred

Tools

Proficient with computers

Job description

West Chester, OH

Full time

R64296

Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

GENERAL FUNCTION :

Performs a wide range of duties relating to the origination of residential 1st mortgage loans for outside referrals. Meets standards and objectives defined by management for mortgage loan sales One Bank objectives . Assumes overall responsibility for the residential mortgage loan from application to closing.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying , assessing,

managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES :

• Works with sales leadership and assigned Senior Loan Originator to develop both internal and external referral contacts (realtors, builders, professional , COIs and persona l ).

• Works with sales leadership and assigned Senior Loan Originator to lear n and master all aspects and components of the mortgage loan originator position.

• This would include , but not limited to, agency and portfolio guidelines, processing, underwriting, closing, and pricing procedures.

• Maintain knowledge of Fifth Third Mortgage Company's policies and procedures, available loan products, processing procedures, and underwriting and general departmental guidelines . C ompletes all required training on time.

• Follow defined protocol for escalation underwriting and pricing exceptions.

• Take applications by completing URLA on laptop.

• Utilize available technology and support for communication and access of daily rates, applicant credit reports , origination of loan files and uploading of files to operations .

• Collect appropriate documentation from applicant (s) and deliver loan package in the time frames set by management.

• Work with sales leadership and assigned Senior Loan Originator to manage pipeline for all originated loans through closing.

• Communicate appropriately and timely with branches and/or applicants providing updates and status reports.

• Maintain high levels of customer service while managing each applicant's and Fifth Third expectations.

• Attend and participate in all Mortgage and Consumer Lending sales meetings , calls and training as required by management .

• Collect application fees on loan applications per policy.

• Participate in One Bank making appropriate referrals to other lines of business.

  MINIMUM KNOWLEDGE AND SKILLS REQUIRED:

• High school diploma or equivalent mandatory. Four-year college degree preferred.

• Demonstrated organizational skills.

• Strong written and verbal communications skills.

• Demonstrated teamwork and customer service skills.

• Ability to maintain an intense optimism and focus on achieving goals even under adversity.

• Proven computer skills.

• Basic sales technique skills.

• Strong desire to excel in a competitive environment.

• This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.

Mortgage Loan Consultant

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. More information can be obtained upon request.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.

LOCATION -- West Chester, Ohio 45069

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

Introduce yourself to our team to stay connected on future opportunities. We look forward to finding the right place for you. Are you ready to take the next step?

Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.