Community Mortgage Consultant

HSBC • Irvine, CA

218d • $80,000 - $95,000 • Hybrid

About The Position

Our purpose - Opening up a world of opportunity - explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We're bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world - for our customers, our people, our investors, our communities and the planet we all share. The Community Mortgage Consultant will be responsible to originate high quality residential first lien mortgage loans that meet HSBC's credit, compliance, workflow and other rules and guidelines. Counsel customers on various types of mortgage financing available, helping to choose a program best suited to their needs. Work closely with the customer to complete mortgage application, clearly set expectations, thoroughly answer questions, follow through to closing and resolve any problems that arise.

Requirements

• Minimum of an Associate's degree or equivalent experience
• Minimum of 3 years proven community mortgage sales experience with established community-based relationships
• Established book of business
• Spanish (preferable)
• Experience with community loan programs and external/3rd party grant programs
• Well-developed communication and interpersonal skills, as well as highly motivated
• Strong working knowledge of mortgage products, qualification guidelines and mortgage application documentation
• Strong knowledge of secondary market guidelines and compliance requirements
• Strong knowledge with financial products and services as well as pertinent regulations impacting their delivery to customers
• Must successfully register with the Nationwide Mortgage Licensing System Registry (NMLSR) and obtain a unique identifier

Responsibilities

• Self-source diverse mortgage applicants, engaging in the local community
• Originate complete and accurate mortgage applications recognizing that programs may be complex, including closing cost coverage, down payment assistance, and 3rd party grants
• Work closely with first time homebuyers who will require extra attention to understand program options, mortgage guidelines and what to expect throughout the process
• Partner with community development groups and affordable lending nonprofits to establish referral relationships
• Exceed customer expectations (both external and internal) at every touch point (phone, email, chat, etc.)
• Fulfill expressed and unexpressed financial needs of clients

Benefits

• Competitive pay and benefits package
• Robust Wellness Hub
• Tailored professional development opportunities
• Industry-leading volunteerism policy
• Generous matching gift program
• Comprehensive program of immersive Sustainability and Climate Change Initiatives
• Employee Resource Groups for networking and development

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Associate degree