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Residential Mortgage Lender Opening, Austin, TX

Location: Austin, TX

Post Date: 03/24/2023

Residential Mortgage Lender
  
JOB FUNCTION:To generate mortgage production loans through external business development & internal partners. Will qualify borrowers; maintain compliance and quality control standards.DUTIES & RESPONSIBILITIES:โ€ขBuild and maintain referral networks and relationships for bringing in new mortgage business.โ€ขAdvise customers in the process of completing mortgage loan applications (1003)โ€ขDetermine appropriate loan type for customersโ€™ needs and educate customer on details of all loan typesโ€ขDetermine loan requirements and advise customers regarding documentation required for transactionsโ€ขPrepare and send initial disclosures to customers, complying with RESPA/TILA requirementsโ€ขCorrectly calculate income and identify assets for borrowers per appropriate lenderโ€™s guidelinesโ€ขRun loan file information through Loan Prospector or Desktop Underwriting system to determine eligibility for agency loanโ€ขManage customers and related service providers, including real estate agents, regarding appropriate expectations for documentation, process and closingโ€ขPartner with processor on files to ensure loans close in a timely mannerโ€ขCommunicate with customers regularly to ensure they have a clear understanding of the processโ€ขExpand and regularly update knowledge base regarding RESPA, HMDA, MDIA, HVCC, Regulation B, Flood, and other regulations as applicableโ€ขControl loan files to ensure compliance with regulatory requirementsโ€ขExpand and regularly update knowledge base regarding underwriting requirements for conventional, FHA, and VA loansMINIMUM QUALIFICATIONS:Work Experienceโ€ข2 yearsโ€™ experience in mortgage loan origination, credit evaluation, underwriting, or processing.โ€ขStrong compliance understanding & problem solving skills related to residential loan originationโ€ขExceptional Customer Service, highly motivated, focused, and goal orientedPreferred Experience (Optional)โ€ขExperience with existing referral sources & customer relationshipsโ€ขExperience using Encompass LOS Systemโ€ขProficiency in Spanish languageEducation/Skills/Experienceโ€ขHigh School Diploma or equivalentโ€ขStrong interpersonal skillsโ€ขStrong verbal and written communication skillsEquipment/Machines/Softwareโ€ขExcellent computer literacy in all Microsoft Programs (Outlook, IE 7 and 8 andother popular browsers, Word, Excel, Power Point, Adobe Reader)โ€ขAbility to work with office equipment such as copiers, scanners, shredders, faxโ€ขMortgage Softwareโ€ขWorking knowledge of Android/IPhone softwareCompetency Requirementsโ€ขAbility to work effectively in high pressure environmentโ€ขMust be able to hear and speak to communicate with customersโ€ขProven organizational skills with ability to multi-task
 

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