Mortgage Consultant, Capital City Home Loans | St. Simons
On-siteSaint Simons Island, Georgia, United States
Job Summary
Market Capital City Home Loans' financial products to builders, real estate brokers, and personal networks while identifying recurring referral sources. Respond to client inquiries and conduct interviews with prospective borrowers to analyze financial data, determine financing objectives, and advise on product policies. Oversee the loan process from origination to close, collecting documentation, recommending appropriate programs, and ensuring applications are complete before submission. Lock loans via secondary marketing and respond timely to rate inquiries, working with processors to meet all conditions. Maintain thorough knowledge of lending programs, regulatory requirements, and compliance policies including the S.A.F.E. Act.
Required Qualifications
- In compliance with the S.A.F.E. Act, registration in the NMLS Registry is required.
- Bachelor's Degree from an accredited college required.
- Minimum of 1-year residential mortgage lending experience with a focus on generating self-sourced business.
- Relevant experience may substitute for the education requirement.
- Verifiable, established network of referral business including Real Estate professionals and other centers of influence.
- Responsible for knowing product manuals and understanding all company loan programs and their requirements.
- Responsible for staying up to date on federal, state, and local laws, regulations, FNMA, FHLMC, FHA, USDA and VA as they pertain to the mortgage lending industry.
- Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
- Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
- Ability to analyze and comprehend complex financial data and provide financial alternatives.
- Strong computer skills.
- Professional and effective interpersonal skills.
- Demonstrated understanding of mortgage processing, underwriting and closing procedures.
- Must be able to lift 50 lbs
Desired Qualifications
- Bachelor's degree, English major preferred
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