• Mortgage Sales Specialist

    Posted: 07/19/2020

    Demonstrating a commitment to the company’s customer service standards by adhering to your division's individualized service standards. Understanding that all divisions of the company work together for one common purpose--to provide our customers with financial service which is consistently superior to that offered by our competitors. Primary Purpose: The primary duties for the position are to provide administrative support for high producing senior mortgage loan officers and producing managers and assisting in the pipeline management in excess of $100 million and/or two or more mortgage loan officers. The position is responsible to facilitate and complete mortgage applications, and track mortgage applications and closings, in accordance with Salem Five policy and regulatory guidelines. The position performs work that affects business operations to a substantial degree by ensuring more business opportunities are converted into applications, and commits Salem Five in matters that have significant financial impact. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Provide high level sales support for senior mortgage loan officers and producing managers as assigned. Including but not limited to: Contact consumers to ensure receipt of documentation. Retrieve executed disclosures as needed. Retrieve and review credit documentation required for underwriting approval. Communicate receipt and deficiencies to the borrower and loan officer as needed. Analyze documentation for underwriting submission. Utilize automated underwriting engines. Assist with rate locks and re-disclosures and loan re-structuring at the direction of the loan officer(s) Collect and submit post approval borrower specific conditions to ensure timely and complete loan commitments. Facilitate the taking of mortgage applications as necessitated by customer and assigned mortgage loan officers including collecting correct and complete supporting documentation. Manage assigned loan officers CRM and database for accuracy, active drip campaigns, prospecting campaigns, open house flyers or product sell sheets at the direction and/or in coordination with the loan officer(s). Maintain high participation Salem Five technology initiatives that assist in pipeline management and expeditious movement of loan files. This includes but is not limited to: e-disclosure, e-sign, and early authorization. Maintain a through knowledge of Salem Five offered products Demonstrates high competence in mortgage pricing including FHA, VA MHFA, FHLMC, FNMA, USDA, portfolio and all applicable LLPAs. Complete applications in accordance with company policy, compliance, and regulatory guidelines. Maintain a thorough knowledge of assigned loan officer’s business plan and referral network in order to assist in capturing and supporting sales opportunities. Collaborate with any and all internal and external customers and other mortgage employees as required to ensure Salem Five customer service standards are met or exceeded. Compliance with banking laws and regulations as defined in company policies and procedures pertinent to position. Demonstrates compliance with banking business laws and regulations as defined in company policies and procedures pertinent to the position. Regular attendance is essential to this position. COMPETENCIES: To perform the job successfully, an individual should demonstrate the following competencies: Organizational Support - Follows policies and procedures; completes administrative tasks correctly and on time; supports organization's goals and core values; benefits organization through outside activities; supports affirmative action and respects diversity. Interpersonal Skills – A strong collaborator with customers and co-workers; focuses on responding to customer inquiries; maintains confidentiality; keeps emotions under control; remains open to others' ideas and tries new things. Oral & Written Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings; writes clearly and informatively; varies writing style to meet needs; presents numerical data effectively. Teamwork - Balances team and individual responsibilities; exhibits objectivity and openness to others' views; gives and welcomes feedback; contributes to building a positive team spirit; able to build morale and group commitments to goals and objectives. Quality Management - Looks for ways to improve and promote quality; demonstrates accuracy and thoroughness. Business Acumen - Understands basics of the business and related implications of decisions Cost Consciousness - Works within approved budget; conserves organizational resources. Ethics - Treats people with respect; works with integrity and ethics; upholds organizational values. Organizational Support - Follows policies and procedures; completes administrative tasks correctly and on time; supports organization's goals and core values; benefits organization through outside activities; supports affirmative action and respects diversity. Analytical – Has the ability to organize data, both financial and systemic information, and to make assessments that will be used to optimize systems or financial performance. Problem Solving - Identifies and resolves problems in a timely manner; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics. SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities. QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Word, Excel and mortgage loan processing software skills required; strong time management and organizational skills required; excellence in customer service and communication skills required; ability to work in a team oriented service driven environment; mortgage lending knowledge NMLS certification; and 5+ years mortgage lending experience. LANGUAGE SKILLS Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, summarize, write business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of staff, clients, customers and general public. MATHEMATICAL SKILLS Strong ability to calculate figures and amounts such as discounts, interest, commission, proportions, percentages, area, circumference and volume. REASONING ABILITY Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. CERTIFICATES, LICENSES, REGISTRATIONS NMLS With a rich history and a strong reputation for growth, service and innovation, Salem Five offers employees a sense of stability and pride. Salem Five also offers a comprehensive salary and benefit package including health insurance and matching 401k plan. Qualified candidates may submit a resume and application online at https://recruiting.ultipro.com/SAL1006SALMF/JobBoard/607f69f4-a710-3384-9a79-badbea6a9eb4/OpportunityDetail?opportunityId=33ecb3c7-e28f-4970-a467-c6b3a2bddc98