Credit Solutions Advisor - Lexington Highway
On-siteLexington, Kentucky, United States
Job Summary
Provide specialized advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings, building and deepening relationships with new and existing clients. Analyze client financial needs to recommend tailored financial solutions, present home lending product options, and submit mortgage applications while assisting clients with documentation and keeping them informed via outbound calls, email, and messaging. Manage the mortgage loan process through consistent follow-up routines, respond to client requests, and make referrals to internal partners. Balance sales performance, operational risk, and client relationship care while ensuring compliance with SAFE Act registration requirements and federal lending regulations. This role supports financial center associates with specialized guidance and coaching to deliver an exceptional client experience.
Required Qualifications
- Minimum of 2 years of mortgage origination experience, or equivalent experience demonstrating the ability to assess client needs, leadership ability, build trust, deepen relationships, and/or self-source business combined with a proven record in consultative sales and delivering tailored financial solutions
- Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively
- Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone
- Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information
- Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution
- Strong written and verbal communications skills
- Ability to handle ambiguity and adapt to changing circumstances
- Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic
- Can be flexible to work weekends and/or extended hours as needed
- A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally
- Ability to learn and understand technology
- Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies
Desired Qualifications
- Experience in a loan origination role in a retail environment and knowledge of Mortgage Products (Conventional, Jumbo and HELOC, Government)
- Knowledge of credit and home lending requirements
- Experience working in a financial center where goals were met or exceeded
- Knowledge in analyzing and comprehending complex financial data and providing financial alternatives
- Knowledge of banking products and services
- Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
- Experience in a loan origination role in a retail environment and knowledge of Structuring, Processing, underwriting and closing procedures
- Federal regulations governing real estate lending
- FHA and HUD guidelines
- Other Lending Products (Credit Card, Vehicle Loans)
- Strong computer skills including MS applications and previous experience utilizing laptop technology
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