Refinance Mortgage Banker

Discover Home Loans is looking for an outstanding, customer-oriented Refinance Mortgage Banker to join our team! The Mortgage Banker’s responsibilities include, but are not limited to:

• Perform complex sales related duties: receive mortgage leads, convert them into committed applications
• Effectively convey programs and products to consumers
• Market products and programs, selling the consumer on the benefits of the product and program compared to the competition
• 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
• 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
• Effectively meet and/or exceed monthly goals established by management.
• Performs other related duties, as assigned

Qualifications

Experience / Training / Education:

• 3 Years experience in mortgage sales preferred
• Active state loan originators licenses preferred
• General knowledge of laws and regulations, RESPA, HMDA and related acts
• Knowledge of Conventional, Jumbo and Conforming loan products
• 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 articulate and convey information to the borrower
• 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
• Excellent customer service skills
• Must possess positive attitude and have good work ethic
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or local protected class.