Purchase Mortgage Banker - Full-time

Discover Home Loans is looking for an outstanding, customer oriented Purchase Mortgage Banker to join our team in Louisville, KY!

The Purchase Mortgage Banker’s responsibilities include, but are not limited to:

• Perform complex sales related duties: receive mortgage leads, convert them into committed applications, and assist as needed to bring the application to a funded/closed/booked transaction.

• Effectively convey programs and products to consumers. Explain and educate consumers on the purchase mortgage origination process, relaying the prospects and benefits of products, the competition, and the overall environment.

• Market products and programs, selling the consumer of the benefits of the product and program compared to the competition and given the marketplace. Suggest new programs that will broaden the current product grouping; arrange and conduct sales information presentations, including competition feedback, alternative methods of gaining consumer commitment, and successful sales tactics.

• Verify the application calculations for underwriting purposes, including Loan to Value Calculations, Debt to Income Ratios, Length of time at Residence, Length of time with Employer, Disposable Income, etc. Resolve loan qualification problems with the consumer prior to application submission. Provide complete application information for the processing of the application through a highly automated loan origination and pricing system.

• Coordinate consumer’s activities to initiate a committed application, and explain the online, highly automated origination process to clearly establish expectations. Respond to and resolve consumer questions and inquires, acting as a liaison between lender and consumer.

• Coordinate and develop lead pipeline management activities within a contact management system. Continually manage and update sales related activities within the CMS for appropriate sales related reporting and management.

• Effectively meet and/or exceed monthly goals established by management.

• Performs other related duties, as assigned

Qualifications

A successful candidate will have the following skills and abilities:

Experience / Training / Education:

• 3 Years experience in mortgage sales preferred
• General knowledge of laws and regulations, RESPA, HMDA and related acts
• Knowledge of Conventional, Jumbo and Conforming loan products
• Ability to articulate and convey information to the borrower
• Must possess positive attitude and have good work ethic
• Excellent customer service skills
• The ability to obtain Loan Officer License(s) as laid out in the company licensing guidelines

Knowledge / Skills / Abilities:

• Knowledge of commonly used concepts, practices and procedures within mortgage field
• Thorough working knowledge of all mortgage products, guidelines and market conditions
• Ability to meet deadlines and follow through
• Effective oral and written communication skills
• Excellent interpersonal skills
• Computer skills: thorough working knowledge of intermediate MS Word, intermediate to advanced MS Excel, intermediate to advanced MS Outlook, intermediate knowledge of Internet
• Ability to work under pressure of multiple deals/applications and deadlines
• Ability to effectively prioritize workload and manage changes
• Ability to interpret and apply required policies and procedures
• Ability to work in a team environment and/or in the field
• Excellent customer service skills
We are an Equal Opportunity Employer and do not discriminate against applicants due to race, ethnicity, gender, veteran status, or on the basis of disability or any other federal, state or local protected class.