Mortgage Representative - Inside Sales

Accountabilities:

• • Originate residential mortgages: Manage mortgage opportunities from initial customer contact and pre-qualification through application, underwriting requirements, and settlement.
  • Develop and convert leads: Follow up with referrals from realtors, builders, branches, developers, and other sources through phone, email, and other channels, while responding effectively to inbound mortgage inquiries.
  • Advise customers: Answer initial questions, explain available mortgage products, assess customer needs, and guide prospective borrowers toward appropriate financing solutions.
  • Process applications: Initiate mortgage applications in person or remotely, provide customers with required documentation packages, enter completed applications accurately, and maintain timely follow-up.
  • Evaluate loan risk: Collect and analyze relevant financial and credit information to determine whether prospective loans meet applicable risk and lending requirements.
  • Coordinate closings: Collect closing conditions, order appraisals, coordinate draw schedules, and work with relevant parties to ensure settlements are completed efficiently.
  • Negotiate loan terms: Discuss and negotiate applicable mortgage terms and conditions with borrowers while balancing customer needs with lending requirements.
  • Manage referral relationships: Provide timely and complete feedback to referral sources regarding the status and disposition of their leads and maintain professional relationships with external partners.
  • Maintain regulatory compliance: Stay current with mortgage rules, regulations, and federal registration requirements, including obligations under the SAFE Act.

  Requirements:

  • Education and experience: Associate’s degree plus at least 2 years of mortgage origination and/or customer service experience; alternatively, 4 years of combined higher education and/or work experience, including at least 2 years in mortgage origination or customer service.
  • Mortgage knowledge: Understanding of mortgage products, lending processes, applicable government programs, and relevant rules and regulations.
  • Sales capability: Demonstrated ability to identify customer needs, communicate value effectively, develop opportunities, and convert prospects into mortgage customers.
  • Customer service: Strong customer-facing skills with the ability to build trust, communicate clearly, and provide professional support throughout the mortgage process.
  • Financial and mathematical skills: Ability to review financial and credit information, perform relevant calculations, and understand factors involved in evaluating mortgage applications.
  • Organization: Strong organizational and time-management abilities, with close attention to accuracy, documentation, deadlines, and multiple concurrent applications.
  • Technology skills: General PC proficiency and the ability to learn and use departmental mortgage and business software.
  • Communication: Ability to interact professionally and effectively with customers, realtors, builders, developers, and colleagues at different organizational levels.
  • Regulatory mindset: Ability and willingness to remain informed about changing mortgage regulations and maintain required federal registration under the SAFE Act.

  Benefits:

  • Competitive compensation: National base pay range of $22.61–$37.67 USD per hour, with actual compensation determined by location, knowledge, skills, and experience.
  • Healthcare benefits: Medical coverage and other benefits designed to support employee health and well-being.
  • Retirement benefits: Access to retirement programs designed to support long-term financial security.
  • Paid time off: Paid time away from work, including 40 hours of paid volunteer time each year.
  • Professional development: Opportunities to develop skills and grow within a large financial-services organization.
  • Community-focused culture: An environment emphasizing integrity, ownership, collaboration, curiosity, and candor.
  • Equal opportunity: Commitment to fair and inclusive employment practices and a workplace that values diverse perspectives and backgrounds.