Mortgage Loan Consultant

Make banking a Fifth Third better

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GENERAL FUNCTION:

Performs a wide range of duties relating to the origination of residential 1st mortgage loans for outside referrals. Meets standards and objectives defined by management for mortgage loan sales at One Bank. Assumes overall responsibility for the residential mortgage loan from application to closing.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, ensuring actions and behaviors drive a positive customer experience. While operating within the Banks risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Works with sales leadership and assigned Senior Loan Originator to develop internal and external referral contacts (realtors, builders, COIs, and personal).
• Works with sales leadership and assigned Senior Loan Originator to learn and master all aspects of the mortgage loan originator position, including agency and portfolio guidelines, processing, underwriting, closing, and pricing procedures.
• Maintains knowledge of Fifth Third Mortgage Company's policies, procedures, available loan products, processing procedures, and departmental guidelines. Completes all required training on time.
• Follows defined protocol for escalation of underwriting and pricing exceptions.
• Handles applications by completing URLA on a laptop.
• Utilizes available technology for communication, accessing daily rates, credit reports, and uploading files.
• Collects appropriate documentation from applicants and delivers loan packages within set timeframes.
• Manages pipeline for all originated loans through closing, working with sales leadership and Senior Loan Originator.
• Communicates appropriately and timely with branches and applicants, providing updates and status reports.
• Maintains high levels of customer service, managing expectations of applicants and Fifth Third.
• Participates in all mortgage and consumer lending sales meetings, calls, and training as required.
• Collects application fees per policy.
• Participates in making appropriate referrals to other lines of business.

MINIMUM KNOWLEDGE AND SKILLS REQUIRED:

• High school diploma or equivalent mandatory; four-year college degree preferred.
• Demonstrated organizational skills.
• Strong written and verbal communication skills.
• Teamwork and customer service skills.
• Ability to maintain optimism and focus on goals despite adversity.
• Proven computer skills.
• Basic sales techniques.
• Strong desire to excel in a competitive environment.
• This position requires S.A.F.E. Act registration at employment through NMLS, with MU4R questions and registration on mortgage.nationwidelicensingsystem.org.

Location: Nashville, Tennessee 37219

Fifth Third Bank is proud to promote an inclusive culture and ensure equal employment opportunity regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.