Mortgage Loan Specialist Martinsburg - Summit Community Bank
Description
JOB TITLE:
Mortgage Loan Specialist***
Classification:Non-Exempt
Department:
SCB 60-Various locations
Reports to:
Senior Vice President of Retail Lending
Education requirements:
Four-year college degree or equivalent mortgage or sales experience.
Experience requirements:
Minimum of two years residential mortgage lending experience.
Job requirements:
- Establish and maintain a network of business relationships, consisting of real estate professionals, builders, etc.
- Meet with potential borrowers regarding their mortgage needs.
- Present Summit's mortgage products and services that meet borrower's financial goals.
- Lock rate per company and regulatory guidelines.
- Prepare or request all applicable loan documentation from the appropriate party or department.
- Work with Centralized Processing Department to ensure attorney and appraisal work is ordered and all documentation is handled professionally and efficiently.
- Maintain communication with the borrower regarding the loan status.
- Maintain thorough knowledge of lending programs, policies, procedures, and regulatory requirements.
- Look for referral opportunities within the company (insurance, deposits, etc.)
- Must be registered with NMLS Federal Registry.
- Service all in house and secondary market loans in your portfolio. (all requests including, escrows, payments, payoffs, etc.)
- Interact with clients and internal partners daily to answer questions, solve problems, and deliver the highestlevel of customer service.
- Assist clients with monthly billing and collections cycle
- Monitor the status of delinquent payments and followup with clients on an ongoing basis, while also working with Debt Management on Collections.
- Work directly with other departments to resolve any issues or concerns with any customer in your portfolio.
Relationships:
- Reports directly to the Senior Vice President of Retail Lending
- Works closely with the Centralized Processing Department, attorneys, and appraisers.
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