Mortgage Advisor-Auburn, Alabama

Synovus•Auburn, AL

About The Position

The Mortgage Advisor (MA) originates substantial mortgage loan volume and revenue while delivering distinctive service in accordance with Pinnacle's values and mission. The role requires knowledge of underwriting guidelines to support timely loan funding and compliance with state and federal regulations and investor requirements. The Mortgage Advisor serves clients in person and by telephone, guides them through mortgage applications and the lending process, and coordinates with mortgage operations, underwriting, and client coordination teams. The role also supports clients' broader financial needs by referring them to relevant specialty areas.

Requirements

High school diploma or equivalent.
At least 10 years of experience in financial services, primarily in mortgage lending and mortgage production.
Nationwide Mortgage Licensing System and Registry (NMLS) registration is required; registration and issuance of a unique identification number may be required within an established timeframe after employment and includes a nationwide fingerprint check.
Proficiency in Microsoft Office (Word, Excel, and PowerPoint) or related software.
Knowledge of federal banking regulations and compliance requirements.
Knowledge of Fannie Mae, Freddie Mac, FHA, USDA, VA, and Jumbo loan underwriting guidelines.
Broad knowledge of bank products and services.
Excellent verbal and written communication skills.
Excellent organizational and critical-thinking skills and strong attention to detail.
Effective sales acumen and negotiation skills.
Effective interpersonal skills, including public-speaking and presentation skills.
Ability to manage competing priorities and meet tight deadlines.
Excellent client service skills.
Tact and diplomacy when dealing with clients and team members.
Ability to stand and sit for prolonged periods; use manual dexterity; communicate verbally; maintain visual acuity; perform repetitive motions; and hear.
Ability to sustain long periods of mental concentration.
Ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.

Nice To Haves

College degree.

Responsibilities

Provide distinctive service to clients and prospects in person and by telephone; respond to inquiries and resolve client issues.
Support the firm-wide three-ring standard by ensuring phones are answered by a live person within three rings.
Market Pinnacle Mortgage products and services.
Thoroughly and promptly pre-qualify prospects, matching their needs with appropriate loan programs and risk appetite.
Complete mortgage loan applications and help clients prepare applications for submission to processing and underwriting teams.
Run and review automated underwriting system (AUS) findings on each file, if applicable.
Request rate locks and rate-lock extensions.
Keep clients informed before loan submission, set expectations about application and closing timelines and client requirements, communicate loan decisions, and explain timelines for returning required documentation.
Meet regularly with the Mortgage Client Coordinator to manage and review the mortgage pipeline and handle client escalations.
Coordinate with the Mortgage Operations team to ensure loan files contain all required information.
Work with Underwriting and clients on loan restructures, if applicable, and address changes of circumstance.
Ensure compliance with the firm's credit and mortgage lending policies and applicable federal regulations for loans under the advisor's responsibility.
Maintain current knowledge of the mortgage industry, including trends, products, policies, and processes.
Address clients' business and personal financial needs and refer them to specialty areas such as Trust, Investments, Insurance, and Treasury Management, as appropriate.
Recognize risks within the functional area, follow applicable policies, procedures, laws, regulations, and risk limits, and promptly report known or suspected violations to the appropriate company authority.
Assist other team members as needed to ensure distinctive service.
Perform other related duties as required.