Mortgage Advisor

F & M Bank•Harrisonburg, VA

12h•Hybrid

About The Position

Responsible for originating residential mortgage loans so that borrowers receive the best possible customer service and speed of origination. This includes delivering proper disclosures, collecting documentation, and providing excellent customer service. Follows company policies and procedures to ensure accurate and timely closing. Multiple Positions throughout our market. Positions are based in Augusta and Shenandoah Counties.

Requirements

Ability to communicate effectively orally and/or in writing.
Ability to respond to sensitive inquiries.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Ability to prioritize and meet deadlines.
Ability to work with limited supervision.
Ability to work with and maintain confidential information.
Proficient organizational skills with ability to function in a flexible work environment.
Ability to read, analyze, and interpret general borrower data.
Ability to effectively present information and respond to questions from managers, clients, customers, and the general public.
Proficient in Excel and Word.
Professionalism in dealing with customers and fellow employees.
High School Diploma or GED with a minimum of two years of experience in loan origination or an account executive/sales position.
NMLS registration
Current driver's license to travel to other bank branch locations and other bank-related travel.

Nice To Haves

Desire previous secondary market loan origination experience.

Responsibilities

Work closely with assigned loan processor to promote communication, and to ensure quality service delivery throughout the company, as well as with external customers.
Successful marketing and relationship building with realtors, builders, and other business partners by spending at least 60% of your working time out of the office in order to network and originate mortgage loans to meet or exceed an agreed upon mortgage production goal as well as all required legal lending guidelines.
Maintaining a complete and thorough knowledge of products, secondary market guidelines, individual investor guidelines, company policies and procedures and following all regulatory procedures including RESPA, Dodd-Frank, etc
Cross-selling bank products when given the opportunity
Attending staff meetings/trainings
Take education classes as assigned by the company through the ABA
Providing all mortgage clients with knowledgeable mortgage advice that will benefit the client
Locking interest rates for the appropriate timeframe and ensuring they do not expire
Structuring mortgage loans and inputting them into loan origination software
Obtaining and reviewing consumer credit reports
Making sure loans are approved through the appropriate AUS system
Sending disclosures to borrowers in the required timeframes
Collecting initial documentation from borrowers (paystubs, tax returns, assets, etc)
Updating and advising all parties involved in the mortgage transaction
Maintain complete discretion and confidence of all information pertaining to loan packages and clients personal information.
Perform other related work as required.