About this role
At Sierra Pacific Mortgage, our mission is to create homeownership opportunities for families. Our promise is to create a culture of success for the customers we serve and for the people who work with us. Promises Made. Promises Kept.
JOB PURPOSE:
In this position, the Employee will manage relationships, source applications, originate conventional and government residential mortgage loans, perform sales-generating activities, service and maintain current clients. Employee is responsible for the cultivation of external lead sources to generate origination loan volume.
DUTIES AND RESPONSIBILITIES:
• Identify and establish new referral sources through a variety of sales efforts including but not limited to: visiting the offices of real estate brokers, developers, builders and financial planners, to solicit referrals for mortgage loans
• Regularly participate in business development activities with professional organizations to maintain a network of quality business relationships that serve as a recurring source of referrals for new mortgage lending opportunities
• Attract new borrowers through the creation of information mailings, advertisements, seminars focused on home buyers and participation in community efforts to promote homeownership
• Cultivate repeat business from existing base of borrowers
• Consult with borrower to identify their loan needs, assess/analyze their financial situation, determine the correct loan options and provide information relevant to the risks and benefits of each program for which the borrower is qualified
• Guide customers through the loan process by obtaining all borrower required documents, providing borrowers with regulatory disclosures and assist with the submission to underwriters
• Coordinate all aspects of the mortgage application process with appropriate parties Resolve outstanding issues in order to clear conditions and facilitate the closing of the loan
• Other duties and/or mortgage related tasks as assigned
SKILLS/KNOWLEDGE:
• Strong interpersonal, communication and presentation skills
• Ability to compose routine reports and correspondence
• Ability to read and interpret documents such as deposit receipts, promissory notes, regulatory and legal directives, memorandums, safety rules, operating and maintaining instructions and policy and procedure manuals
• Ability to apply concepts of basic math to calculate figures and amounts such as discounts, interest, commissions, ratios, proportions, percentages, area, circumference and volume.
• Ability to understand a variety of instructions furnished in written, oral, diagram or schedule form Ability to interpret a customer's needs
• Ability to comprehend and analyze complex financial data and provide financial alternatives
• Ability to solve practical problems and deal with a variety of concrete variables in situations where limited standardization exists
• Ability to make sound decisions
• Ability to learn and adapt to market changes quickly
CERTIFICATIONS/LICENSE:
• NMLS License Training and on-going certification as required by the state(s) in which licensed
• Valid Driver's License
EDUCATION/EXPERIENCE:
• Associate's Degree plus two years of customer service/sales experience or equivalent experience
• Two years of mortgage industry experience; mortgage sales experience preferred
• Solid understanding of current mortgage laws, guidelines and loan programs
• Solid knowledge of residential mortgage processing and procedures
• Familiarity with real estate market in local area
• Strong organizational and time management skills
• Basic computer skills required: word processing, e-mail systems, data base programs, etc.
• Proficiency with Express Loan a plus
WORKING CONDITIONS:
• Normal office environment
• The employee must be available to customers outside of normal business hours, including evenings and weekends.
• Employee works under minimal supervision.
• Employee has no supervisory responsibilities.
PHYSICAL REQUIREMENTS:
• Must be able to navigate a standard office environment
• Travel to other offices and meeting locations is required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
For California applicants, below is a link to our California Consumer Privacy Act (CCPA) General Notice at Collection for Applicants, for your reference:
https://www.sierrapacificmortgage.com/shared/hr/General%20Notice%20at%20Collection%20for%20Applicants.pdf
Hourly: $7.25/hr - $15.50/hr