Sr. Mortgage Consultant - Refinance
About the position At American Financing, we're innovators with imagination. We do what it takes to help customers achieve their financial goals. And we stay ahead of the competition by challenging ourselves to become more efficient. We are one of the fastest-growing national mortgage lenders because we don't follow the status quo. See what it's like to work for a national mortgage lender that truly values its employees. Wherever your passions lie, you can find rewarding work and new opportunities here. Casual work environment Hybrid schedule for local employees Family-owned, Customer-focused Denver Post Top Workplace Top 50 Family-Owned Business Best of Colorado Business Inc. 5000 Fastest-growing Private Company JOB SUMMARY The Mortgage Consultant will initiate the mortgage process for potential clients, preparing, analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate. Compensation: $57,784K in base pay plus bonus with total compensation up to $350K+ per year
Responsibilities
- Interviews potential and current clients to understand their lending needs
including first-time mortgages or refinance of existing loans.
- Explains the differences between and approval requirements of various types
of mortgages; prepares and presents a lending package based on client specifications.
- Assists clients with completion of mortgage applications, inspecting
completed documents for accuracy and thoroughness.
- Reviews loan applications, gathers credit histories and reports, and assesses
applicants’ capacity to repay and default risk.
- Based on predetermined requirements, assesses, and grants or rejects mortgage
applications.
- Views property for real estate purchase or refinance.
- Maintains knowledge of trends and developments in the local real estate
market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.
- Demonstrates the ability to use independent judgement and critical thinking
skills in matters of significant impact
- Work with the processing staff and borrower to ensure the loans are completed
in a timely manner.
- Report daily to management on current production and goals.
- Performs other duties as assigned.
Requirements
- Excellent interpersonal and customer service skills.
- Excellent organizational skills and attention to detail.
- Ability to analyze and comprehend complex financial data and provide sound
financial advice.
- Thorough understanding of Federal Housing Authority (FHA), Veterans Affairs
(VA), Federal.
- National Mortgage (Fannie Mae), and other types of construction and
conventional loans.
- Proficient with Microsoft Office Suite or related software.
- Minimum High School diploma
- One to three years of prior experience in lending or related field preferred.
- State Mortgage LicensingNMLS
Benefits
- Medical, Dental, Vision, 401k
- Paid time off and sick days
- Paid holidays
- Long-term paid disability
- Paid maternity and bonding leave
- Full desk equipment provided