Mortgage Advisor-Auburn, Alabama

Synovus Bank•Auburn, AL

About The Position

The Mortgage Advisor (MA) delivers distinctive service while originating substantial mortgage loan volume and revenue in alignment with Pinnacle's values and mission. The role requires knowledge of underwriting guidelines to support timely funding and compliance with state and federal regulations and investor requirements. The Mortgage Advisor serves clients and prospects, markets mortgage products, evaluates client needs, originates applications, and coordinates with processing, underwriting, operations, and client coordination teams throughout the mortgage process. The role also supports clients' broader financial needs through referrals to other specialty areas and contributes to risk awareness and the delivery of distinctive service.

Requirements

High school diploma or equivalent.
At least 10 years of financial services experience, primarily in mortgage lending and mortgage production.
NMLS registration is required; successful registration and issuance of a unique identification number may be required within an established timeframe after initial employment, including 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, with strong attention to detail.
Effective sales acumen and negotiation skills.
Effective interpersonal skills, including public speaking and presentation skills.
Ability to multitask 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 is preferred.

Responsibilities

Provide distinctive service to clients and prospects in person and by telephone, respond to inquiries, and resolve client issues.
Support the firm's three-ring standard by helping ensure calls are answered by a live person within three rings.
Market Pinnacle Mortgage products and services.
Thoroughly and promptly pre-qualify prospects, matching mortgage needs with appropriate loan programs and risk appetite.
Complete mortgage loan applications and work with clients to prepare applications for processing and underwriting.
Run and review automated underwriting system findings on each file, if applicable.
Request rate locks and rate-lock extensions.
Maintain client contact before loan submission, setting expectations for application and closing timelines and client requirements.
Communicate loan decisions and set expectations for returning required documentation.
Meet regularly with the Mortgage Client Coordinator to manage and review the mortgage pipeline.
Work with the Client Coordinator to manage client escalations.
Coordinate with Mortgage Operations to ensure all mortgage loan information is included in the loan file.
Work with underwriting and clients on restructures, if applicable, and address changes of circumstance.
Ensure loans under the Mortgage Advisor's responsibility comply with firm credit and mortgage lending policies and federal regulations.
Maintain current knowledge of the mortgage industry, trends, products, policies, and processes.
Address clients' financial needs and refer them to specialty areas such as Trust, Investments, Insurance, and Treasury Management, as appropriate.
Observe applicable policies, procedures, laws, regulations, and risk limits; 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.