Job Information
Willamette Valley Bank Mortgage Inside Sales - Loan Officer in United States
Position Summary :
The Inside Sale position is responsible for discussing client’s needs, recommending the best loan products, helping customers put together a complete loan package and working with the underwriting team throughout the loan process.
Key Responsibilities and Accountabilities :
Manage a high volume of calls with potential borrowers who have shown interest in either refinancing or purchasing a home .
Responsible for originating Employee loans, while maintaining a high level of discretion and privacy .
Establish and maintain a friendly rapport with customers and overcome objections by understanding their goals and interests .
Develop and maintain knowledge of loan products, policies, procedures and underwriting requirements.
Collect and analyze customer s financial and credit information to determine mortgage financing options.
Completes a quality loan application using Encompass, securing a locked interest rate as quoted to the client, ensuring the borrower qualifies for the loan program, collecting all supporting documentation, and handling any problems that arise during processing that may jeopardize the loan approval.
D eliver an extraordinary client experience by listening first and staying in complete and honest communication with clients both verbally and through written or electronic means.
Review active loan files each day to determine if any documents are missing or what can be done to help the process move along.
Develop and grow successful relationships with business referral sources and generate leads to gain new clients.
Maintain NMLS registration and eligibility.
Adheres to the minimum required production standards as communicated by mortgage department management.
Follow industry news and information, be involved in the community and represent the bank in a professional manner.
Attend company sales meetings, trainings and bank sponsored events.
Maintain confidentiality and discretion over sensitive information.
Comply with and follow all applicable policies and procedures as well as governing laws and regulations. This includes but is not limited to: performing all assigned duties under the WVBK compliance programs and related laws and regulations. Successfully complete all mandatory compliance training as assigned in a timely manner.
Responsible for funding a minimum of 2 transactions per month from leads provided or other referral sources .
Must be able to make a minimum of 8 calls per day s to leads provided, complete tracking tools and provide to management on a weekly basis .
Knowledge, Skills and Abilities :
Knowledge of principles and methods for showing, promoting, and selling products or services including marketing strategy, sales techniques, and lead generation skills.
Strong knowledge of mortgage industry policies and procedures.
Strong organizational and time management skills.
Ability to pay close attention to detail.
Ability to work well under pressure and manage high call volume .
Must be independent, self-motivated and organized .
Ability to build and maintain positive and effective relationships with others.
Aptitude for self-development and learning.
Ability to analyze and comprehend financial data and to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Intermediate computer skills including: word processing, spreadsheet programs, mortgage systems software, internet and database management programs.
Ability to gather data from multiple sources, test assumptions, evaluate alternatives and make recommendations.
Ability to adapt well to change with the willingness to maintain a flexible schedule.
Ability to work within a structure, take direction and be a strong team player.
Ability to read, analyze, and interpret general business information and government regulations.
Ability to communicate clearly and effectively verbally and in writing.
Education and Experience :
2 years of experience working in finance, banking or mortgage lending
Mental and Physical Effort :
Decision making normally involves the ability to apply rules, regulations, policies and procedures to the work. Guidance and direction may be available.
Lifting equipment or files of 1-10 pounds on a regular basis, lifting equipment or boxes of 10-25 pounds on an occasion. Sits or stands for long periods of time working at a computer and typing. Uses hands to handle controls or feel objects, tools or controls. Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
Working Conditions :
Works in a customer facing position in an office environment with minimal workplace hazards and low to moderate levels of noise. May deal with customers or visitors to the workplace who may be upset or pose challenges. Works during the day and during the week, some positions may require working on weekends. Occasional travel to other work sites, conferences, training or meetings may be required.
Qualifications