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Mortgage Executive - Atlanta Georgia
Company: Southern First Bank Location: Atlanta, Georgia
Posted On: 04/26/2024
ESSENTIAL RESPONSIBILITIES - Cultivate outside referrals from realtors, builders, and financial planners.
- Cultivate referrals for deposit relationships.
- Assist clients in achieving their financial goals and managing their mortgages more effectively.
- Analyze data and assist clients in assessing possible courses of action and ultimately making recommendations that best suit the client's needs.
- Assist loan processor during the loan process.
- Assist realtors and builders with open houses.
- Comprehensive knowledge of FNMA and FHLMC, and investor guidelines and regulations.
- Keep up to date knowledge of real estate market trends.
- Answer client calls and take walk in clients to discuss various loan products and qualification information.
- Make sales calls on potential or existing clients as established in marketing plan to develop new business or retain existing business.
- Evaluate loan requests, analyze financial data, and determine qualification of collateral and client credit history.
- Structure loan to comply with acceptable lending practices and Federal regulations.
- Work with the borrower during the loan process.
- Read surveys and appraisals and take necessary steps to correct encroachments and violations.
- Qualify loan for final approval.
- Maintain contact with loan client, communicating progress of loan and obtaining any required documentation.
- Prepare files for underwriting, loan committee, private mortgage insurance company and investor including preparation of loan approval sheet.
- Participate in worthwhile community activities to network, promote and enhance the bank's integrity in the community through professional, business and community organizations and activities to promote and market loan products.
- Process effective and proven sales experience.
- Attend loan closings.
- Attend realtor and builder functions.
- Follow up with borrowers after loan has closed.
- Handle company funds.
- Complete other duties as assigned. ADDITIONAL RESPONSIBILITIES OR DETAILS ESSENTIAL SKILLS, EDUCATION AND EXPERIENCE
- High school diploma with previous banking and/or financial experience.
- Bachelor's degree or equivalent education and experience preferred.
- 2+ years mortgage lending experience preferred.
- Hold applicable licenses, as required.
- Accurate typing, spelling and grammar skills.
- Good written and oral communication skills.
- Good organizational skills.
- Interpersonal skills to represent the Bank in a positive way in dealing with clients and other team members.
- Ability to adjust to change and a willingness to be a team player
- Maintain regular consistent and professional attendance, punctuality, and personal appearance.
- Ability to work independently and take initiative to exercise judgment and make decisions within scope of authority.
- Ability to solve problems using combination of intuition and analytics.
- Ability to think and act quickly and to follow procedures.
- Must have own transportation.
- Must have a flexible schedule to work with realtors and builders as needed.
- Must be able to work from their auto as well as office and home.
- Knowledgeable on applicable computer software systems to include work processing, databases, and spreadsheets.
- Thorough knowledgeable of mortgage products and services offered. WORK CONDITIONS
- Must be able to work from their auto as well as office and home.
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