Job responsibilities include, but are not limited to, the following:
- Develops relationships with new and current customers, as well as realtors, builders, attorneys, and other third parties.
- Inquires into the customer's income, assets, investments, debt, credit history, prior bankruptcies, judgments and liens, as well as the characteristics of the property and other similar information in order to assess a customer's financial circumstances and determine whether the customer and the property qualify for a particular loan.
- Analyzes the customer's particular reasons for purchase or refinance, plus their financial background, and reviews the availability of all loan products that might fit the customer's needs.
- Advises the customer of the inherent risks and benefits of loan alternatives in order to recommend the most suitable product.
- Performs all steps and functions necessary to acquire, research/analyze, and approve mortgage packages to include property appraisals, credit reports, background checks, etc.
- Submits complete and accurate mortgage loan packages that provide all of the information needed to make an underwriting decision.
- Meets and maintains all mortgage loan origination licensing requirements including continuing education requirements.
- Promotes team atmosphere with representatives from other Weichert Family of Company partners.
- Stays up-to-date on availability of all products and provides customers with contact information of the appropriate Weichert product representative.
- Ensures full compliance with all applicable federal and state law and regulations, all Company policies and procedures, and all applicable investor guidelines.
- Develops and maintains strong relationships with Weichert Realtors Sales Associates for the purpose of recommending and selling mortgage products which meet the qualified customer's needs.
- Performs other duties as assigned.
The ideal candidate will meet the following requirements:
- Individual state loan originator license(s) required for specific states in which employee engages in any mortgage loan origination activity
- One (1) to three (3) years of retail mortgage loan origination experience preferred
- Ability to determine appropriate interest rate quote to customer and to determine maximum qualification amounts based on investor guidelines
- Ability to apply investor guidelines to specific sales situations and use discretion and judgment to recommend the most appropriate products to customers based on qualifications and needs identified by customer analysis
- Good problem solving skills are essential
- Proficiency in Microsoft Office suite of products and ability to quickly gain proficiency in the Company's proprietary mortgage software products
- Good oral and written communications skills
- Ability to conduct presentations and hold one-on-one meetings
- Ability to multitask in a fast-paced environment
- Strong attention to detail
- Strong customer service skills
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, or protected veteran status.