Senior Mortgage Representative

Dollar Bank, FSB; Virginia Beach (VA); Sur place; USD 62 000 - 72 000; Plein temps

Résumé du poste

Dollar Bank in Virginia Beach seeks a Senior Mortgage Representative to originate quality mortgage loan applications from branches and referrals, ensuring compliance with Freddie Mac, Fannie Mae, FHA and VA guidelines.

Responsibilities include data entry, disclosures, rate quotes, managing pipeline to closing, and networking with Realtors; requires 2+ years of origination experience, valid driver’s license, and proficiency with loan origination systems and MS Office.

Qualifications

• Minimum 2 years of originating mortgage loan applications experience.
• Knowledge of Freddie Mac, Fannie Mae, FHA and VA underwriting guidelines.
• A valid driver’s license and access to a reliable vehicle is required.
• Candidate will be subject to OCC background checks as required by regulation.
• Excellent communication and organizational skills.
• Software knowledge including POS mortgage origination system, Word and Excel.

Responsabilités

• Enter all data required to complete a residential mortgage application in the loan origination system.
• Provide buyer with all required early disclosures.
• Assist borrowers by explaining lending programs and information needed to complete the mortgage process.
• Quote interest rates for loan programs and lock-in rates at borrower request.
• Achieve assigned production goals.
• Actively network with Realtors and other referral sources; attend networking events as directed.
• Oversee active pipeline from application to closing and assist processing as needed.

Connaissances

Excellent communication

Organizational skills

Underwriting guidelines knowledge

Mortgage origination system

MS Word & Excel

Formation

High School Diploma/GED

College Degree preferred

Outils

Mortgage origination system

Microsoft Word

Excel

Description du poste

The Senior Mortgage Representative is responsible for originating quality saleable mortgage loan applications from assigned Dollar Bank branches and various referral sources including, Realtors, financial planners, attorneys, and other professional contacts.

Education and Experience Requirements

• High School Diploma/GED required. College Degree preferred.
• Minimum of 2 years of originating mortgage loan applications experience required.
• Excellent communication and organizational skills.
• Knowledge of Freddie Mac, Fannie Mae, FHA and VA underwriting guidelines.
• Software knowledge including; Point of sale first mortgage loan origination system, Microsoft Word and Excel.
• General business, financial and credit lending knowledge.
• A valid driver's license and access to a reliable vehicle is required.
• Candidate being considered will be subject to additional background checks as required by the office of the Comptroller of Currency.

Essential Functions

• Enter all data required to complete a residential mortgage application in the loan origination system.
• Provide buyer with all required early disclosures.
• Assist borrowers by explaining lending programs and all required information needed to complete the mortgage process.
• Properly quote interest rates for loan programs offered and lock-in the interest rate at the time of the borrower's request.
• Achieve assigned production goals.
• Actively network with Realtors and other professional referral sources. Attend networking functions and trade shows as determined by management.
• Oversee active pipeline of mortgages from application to closing and work closely with the operations personnel to assist in processing the application when needed.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing, and monitoring the risk they encounter daily as required by Dollar Bank's risk management program. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Note: Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing, and monitoring the risk they encounter daily as required by Dollar Bank's risk management program. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Compensation $62,000-$72,000