The Retail Direct Loan Officer is responsible for converting prospective clients into new loan applications by presenting customers with a variety of mortgage products and pricing based on their borrowing needs. This position will sell multiple brands of lending products through the use of inbound and outbound sales calls. This role will manage the client experience from origination to closing, ensuring a positive customer service experience.
ESSENTIAL FUNCTIONSSell multiple brands of company loan products to prospects, effectively converting leads to borrowers Determine and communicate loan level pricing with customers and management in order to maximize profitability Follow underwriting guidelines to determine the documentation and lock/pricing requirements on loan level basis Learn various types of borrowing programs and processes and stay current with changes and new products Provide excellent customer service and effectively recover service when needed Follow-up with customers in a timely and efficient manner Manage active pipeline from origination to closing Work effectively with Fulfillment departments to ensure loan requirements are satisfied and deadlines met Efficiently work with various types of systems and software programs simultaneously to maximize time spent selling products Establish work habits conducive to market variations Work with management to develop sales plan and use their instruction to ensure business success Continually develop sales skills through attending systems and product training and other educational opportunities necessary for the position Adhere to all federal and state compliance guidelines relative to the position KNOWLEDGE, SKILLS, AND ABILITIES Must be a self-starter and self-motivated Must be able to thrive in a fast paced, multi-tasking environment Must be able to make decisive and accurate decisions Ability to manage multiple deadlines Possess superior customer service skills Must be organized and responsible and able to use good judgment Ability to learn multiple technical application systems and programs Proficiency in MS-Word, MS-Excel, MS-Windows, MS-Outlook, Encompass, Velocify, and the internet
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