Mortgage Loan Assistant - Multiple States

Equal Opportunity Employer/Disabled/Veterans

Academy Bank and Armed Forces Bank provides equal employment [and affirmative action] opportunities to applicants and employees without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability.

Summary:

The Mortgage Loan Assistant serves as a Bank representative for assigned Mortgage Loan Officer on mortgage-related inquiries, documentation needs, and mortgage product marketing activities. The Loan Assistant will liaise between prospective/existing clients and internal processing, closing and underwriting departments; manage client documentation and resolve inquiries and documentation needs to complete client file for mortgage re-finances and purchases; gather background information as required; partner with others to gain approval for loan applications based on analysis and company mortgage policies; with mortgage support staff to ensure timely response to client inquiries; provide support to Mortgage Loan Officers on loan marketing activities with the goal of expanding mortgage loan volume, markets, and sales channels. All activities are performed to ensure a standard of service excellence. The Mortgage Loan Assistant maintains the minimum levels of file quality and client service set by Bank management.

Position pays a minimum of 31,200. Position is eligible for additional incentive compensation based on achievement of established incentive goals. The monthly average incentive can range from $0 if no goals are met and can be more than $100.00 if goals are exceeded. Full-time associates are eligible for our benefit package that includes: medical, dental, and vision insurance; 401(k) plan; Company paid life insurance, short and long term disability insurance; Company paid vacation, sick leave, holidays, and more! Part-time associates are eligible for 401(k).

Principal Accountabilities:

• Serves as main point of contact for incoming client inquiries as support for a Mortgage Banker.
• Partners with internal processing, closing and underwriting departments to manage all requests and needs to fulfill the loan origination process. These responsibilities include but are not limited to; submit complete applications, pull credit reports, verify debts,
  produce/send early disclosures, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.
• Meets with loan applicants and assist clients with the loan application process.
• Works with clients and closing department to set loan closings.
• Prepares loan documentation for underwriting and processing, ensuring it is complete and accurate.
• Ensures that each loan is processed accurately.
• Supports assigned Mortgage Loan Officer’s pro-active marketing activities by performing various tasks, such as but not limited to, market research, outbound calling campaigns, attendance at networking meetings, etc.
• Percentage of time spent on administration or marketing tasks can and will vary depending on a number of factors, such as loan volume or loan officer needs.
• Abides by all applicable Bank Residential Mortgage policies, procedures, and regulations.
• Communicates current loan status to clients and authorized third parties.
• Understands, embodies, communicates, and instills corporate initiatives and vision, including the Six Pillars of Success.
• Maintains client information in complete confidence.
• Completes other specified duties as assigned.
• Regular attendance required, working at the assigned worksite, or assigned remote location during regular business hours and/or assigned hours.

Minimum Qualifications:

• Experience working in a face-to-face customer service/sales environment
• Must have excellent client service skills, to include written and verbal communication.
• Must be detailed oriented.
• Able to prioritize and manage time effectively.
• Must have access to transportation on demand to be able to travel to client and vendor
  appointments out of office as needed. If transporting oneself, a valid driver’s license is
  required.
• Strong PC computing skills, including MS-Office and the ability to become proficient
  with loan origination software as well as the mortgage marketing database, Total Expert.

Preferred Qualifications:

• 2 years recent residential lending experience
• Experience with the U.S. Military spouse network and a network of existing contacts.
• Knowledge of the mortgage loan application and fulfillment process.
• Knowledge of agency/investor guidelines and approval processes.
• This position may require S.A.F.E. registration. All associates who will be engaged in
  residential mortgage originations must register with the federal registry system and
  maintain a status in good standing under the SAFE act requirements.

Physical Requirements:

The work environment is typical of a standard office setting. The position is sedentary, exerting
0 – 10 lbs. of force occasionally and/or a negligible amount of force frequently. It involves
sitting most of the time but may also involve moving about or standing for brief periods of time.
Reaching may be required involving extending arms in any direction. Office equipment, such as
a computer and telephone will be used requiring the ability to manipulate a keyboard or keypad.
Ability to decipher a computer screen or written documents is necessary. Ability to express or
exchange ideas; impart oral information to clients or to the public; or convey detailed or
important spoken instructions by means of the spoken word is required. The ability to receive
detailed information through oral communication is required.