Centralized Lending Specialist
On-siteCharlotte, North Carolina, United States
Charlotte, North Carolina, United StatesOn-siteFull TimeSmall
Full TimeSmall
Job Summary
Answer inbound and outbound calls to guide clients on home financing, refinancing, and home equity lines of credit. Analyze financial goals to determine optimal lending solutions, submit mortgage applications, and assist with gathering supporting documentation. Communicate consistently throughout the origination process while leveraging defined policies to manage risks and meet guidelines. Identify referral opportunities to recommend bank products and expedite post-sale issue resolution. This role requires SAFE Act registration and the ability to work weekends or extended hours as needed.
Required Qualifications
- 1+ year sales and mortgage experience
- strong relationship-deepening and client care mentality
- ability to assess client needs and suggest/promote alternative products or services
- ability to learn all platform systems utilized within the environment and/or aptitude in system technologies
- ability to work under pressure during high volumes
- ability to build and maintain positive rapport with service partners
- ability to prioritize multiple competing tasks
- adaptability and flexibility to change
- strong communicator, written, oral and non-verbal
- ability to demonstrate solid sales production over a sustained time frame
- ability to be flexible to work weekends and/or extended hours as needed
- ability to communicate professionally, effectively and confidently and be comfortable engaging all clients over the phone
- ability to handle multiple lines of business and models to support changing business needs
- ability to independently work with other business partners to expedite post-sale issues or problem resolution
- ability to effectively balance performance, operational risk, and client relationship care
- commitment to professional ethic and thoroughness in incorporating relevant regulatory due diligence as well as complying with all Federal and State Compliance policies
- High School Diploma / GED / Secondary School or equivalent
- SAFE Act registration
Desired Qualifications
- contact center experience
- knowledge of loan products (Conventional, Jumbo and Government)
- ability to analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information
- Familiarity with FHA and HUD guidelines
- Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending
- ability to analyze and comprehend complex financial data and provide financial alternatives
- Strong consultative skills including the ability to ask critical questions to identify opportunities
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