Mortgage Executive
Company: Southern First Bank
Location: Atlanta
Posted on: April 24, 2024
Job Description:
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.
- Extensive Travel required. This description is not intended to
be construed as an exhaustive list of all functions,
responsibilities, skills and abilities. Additional functions and
requirements may be assigned by supervisors as deemed appropriate.
This document does not represent an expressed or implied contract
of employment nor does it alter your at-will employment, and the
Company reserves the right to change this job description and/or
assign tasks for the employee to perform, as the Company may deem
appropriate.
Keywords: Southern First Bank, Smyrna , Mortgage Executive, Other , Atlanta, Georgia
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