Residential Mortgage Lender
Company: Jefferson Bank
Location: Austin
Posted on: January 24, 2023
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Job Description:
JOB FUNCTION:
To generate mortgage production loans through external business
development & internal partners. Will qualify borrowers; maintain
compliance and quality control standards.
DUTIES & RESPONSIBILITIES:
--- Build and maintain referral networks and relationships for
bringing in new mortgage business.
--- Advise customers in the process of completing mortgage loan
applications (1003)
--- Determine appropriate loan type for customers' needs and
educate customer on details of all loan types
--- Determine loan requirements and advise customers regarding
documentation required for transactions
--- Prepare and send initial disclosures to customers, complying
with RESPA/TILA requirements
--- Correctly calculate income and identify assets for borrowers
per appropriate lender's guidelines
--- Run loan file information through Loan Prospector or Desktop
Underwriting system to determine eligibility for agency loan
--- Manage customers and related service providers, including real
estate agents, regarding appropriate expectations for
documentation, process and closing
--- Partner with processor on files to ensure loans close in a
timely manner
--- Communicate with customers regularly to ensure they have a
clear understanding of the process
--- Expand and regularly update knowledge base regarding RESPA,
HMDA, MDIA, HVCC, Regulation B, Flood, and other regulations as
applicable
--- Control loan files to ensure compliance with regulatory
requirements
--- Expand and regularly update knowledge base regarding
underwriting requirements for conventional, FHA, and VA loans
MINIMUM QUALIFICATIONS:
Work Experience
--- 2 years' experience in mortgage loan origination, credit
evaluation, underwriting, or processing.
--- Strong compliance understanding & problem solving skills
related to residential loan origination
--- Exceptional Customer Service, highly motivated, focused, and
goal oriented
Preferred Experience (Optional)
--- Experience with existing referral sources & customer
relationships
--- Experience using Encompass LOS System
--- Proficiency in Spanish language
Supervisory Experience
--- None
Education/Skills/Experience
--- High School Diploma or equivalent
--- Strong interpersonal skills
--- Strong verbal and written communication skills
Equipment/Machines/Software
--- Excellent computer literacy in all Microsoft Programs (Outlook,
IE 7 and 8 and
other popular browsers, Word, Excel, Power Point, Adobe Reader)
--- Ability to work with office equipment such as copiers,
scanners, shredders, fax
--- Mortgage Software
--- Working knowledge of Android/IPhone software
Competency Requirements
--- Ability to work effectively in high pressure environment
--- Must be able to hear and speak to communicate with
customers
--- Proven organizational skills with ability to multi-task
Physical Requirements
--- Must be able to sit for long periods of time and read from a
computer screen
--- Must be able to type on a keyboard
--- Must be able to reach, bend and lift files up to 30 lbs
--- Must be able to speak, hear and see to communicate with
clients
This job description does not imply an employment contract, nor is
it intended to include every duty and responsibility that employee
is responsible. Duties and tasks may be assigned by management team
based on department and business needs.
Jefferson Bank is an EEO employer and an Affirmative Action
Employer, M/F/Disability/Protected Veteran Status.
Click the link below to be redirected to the Equal Employment
Opportunity Commission's website to view the "Know Your Rights"
Poster:
https://www.eeoc.gov/sites/default/files/2022-10/EEOC_KnowYourRights_screen_reader_10_20.pdf
Keywords: Jefferson Bank, Austin , Residential Mortgage Lender, Other , Austin, Texas
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