Job Summary :
The Mortgage Account Executive - Outside Sales provides support and information to new prospects and customers regarding mortgage products and financial alternatives available at FirstBank.
Participate in product orientations and marketing promotions. Analyzes customer needs for preliminary determination of financial eligibility according to each product's parameters.
Determine the corresponding product as per the customer's needs. Processes and submits customer application to Processing Unit.
Support customer throughout the Financing Process. Develop sales plan aligns to business objectives.
Essential Responsibilities :
Develop and execute a strategic work plan for marketing and prospecting new clients.
Organize and participate in activities with potential companies, conventions, special events and / or activities.
Maintain leads updated in the System. Interviews customers and evaluates financial eligibility.
Fills and completes mortgage loan applications.
Analyses all prospects' customer information (income, expenses, credit) to perform preliminary determination eligibility and loan type.
Supports customer on selection of most convenient financing decision as per established needs.
Gathers all loan pre-qualification documents needed and requests payment for the origination process.
Compiles and organizes all clients’ information needed, according to type of loan requested, and executes the processing of documents in order to accelerate the approval process.
If necessary, visits customer to complete the required information.
Processes and performs data entry of the customer's information in the mortgage system.
Prepares customer files and delivers to Processing Unit.
Following supervisor's instructions, he / she is responsible of any contact by telephone to prospects / possible clients.
Professional development is required to complete and participate in all trainings, seminars and meetings assign.
Other Responsibilities :
Works on special assignments and supports other Mortgage units as required. Supports management as requested.
Independence of Judgment :
The independence of judgment of this job is related to the integration and coordination of varied elements and its application to specific subjects.
Supervisory Responsibilities :
This job has no direct supervisory responsibilities.
Impact of Errors :
Errors in these job responsibilities may affect essential activities of administrative, operational or business nature that have a considerable
Knowledge of Mortgage FHA, VA, RURAL, Conforming, and Non-Conforming lending process requirements and documentation.
Excellent sales and interpersonal skills.
Strong verbal / written communication skills.
Use of marketing and advertising techniques to locate potential clients.
Knowledge of Microsoft Office programs and mortgage applications such as E-3.
Knowledge of mortgage regulations / industry
Physical Demands :
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Specific vision abilities required by this job include close vision and distance vision.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear.
The employee is occasionally required to stand and walk.
Minimum Requirements :
An Associate Degree and two (2) years of experience within the Mortgage industry in a similar position (Mortgage Sales / Origination) is required.
Strong experience on Sales and a Bachellor degree can be considered for the position.
Regulatory / Licensing Requirements : Employee must comply with all requirements related to the CFPB’s Loan Originator Rule and the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (SAFE Act) and its corresponding regulations, including, but not limited to, obtain and maintain an active record and a unique identifier within the Nationwide Mortgage Licensing System and Registry (NMLSR), continue to meet said record and associated minimum register standards, including any applicable continuing education courses set
forth by the Safe Act.
Disclaimer : The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
They are not indented to be an exhaustive list of all responsibilities, duties, skills required of personnel so classified.
The reporting relations may not reflect the most recent changes to the corporate reporting structure.
Equal Employment Opportunity Employer