Location: all cities,TX, USA
GENERAL DESCRIPTION OF POSITION
The Mortgage Sales Assistant works closely with Mortgage Loan Originators to ensure borrowers financial data and creditworthiness meets program guidelines. This position calculates income for all types of income, including self-employed borrowers.
This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site provides the MU4R questions and registration required for employment in this position.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Analyze financial data to determine creditworthiness. This duty is performed daily.
2. Maintain knowledge of available loan products, processing procedures and underwriting guidelines. This duty is performed daily.
3. Review borrower applications. This duty is performed daily.
4. Utilize communication and access of daily rates, credit reports and DU responses and transmitting to processor. This duty is performed daily.
5. Collect appropriate documentation from each applicant and deliver loan package to processor in a timely manner. This duty is performed daily.
6. Maintain high levels of customer service while managing each applicant's and support staff's expectations. This duty is performed daily.
7. Attend and participate in all lending meetings as required. This duty is performed as needed.
8. Complete BSA/AML training and other compliance training as necessary. This duty is performed quarterly.
9. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.
10. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
Knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 2 years related experience and/or training, or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to read, analyze, and understand general business/company related articles and professional journals; ability to speak effectively before groups of customers or employees.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site provides the MU4R questions and registration required for employment in this position.
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Intermediate: 10-Key, Accounting
WORKING CONDITIONS
Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking, pushing, carrying, or lifting. May involve some travel and/or work is at times, in the evening or during the night hours.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job, the employee is frequently required to sit; and occasionally required to stand, walk, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision; depth perception; and ability to adjust focus.
ADDITIONAL INFORMATION
* Two (2) years related experience or a combination of experience and training
* Strong communication skills, verbal and in writing
* Knowledge of Mortgage loans and credit applications
* Knowledge of intermediate accounting
This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site provides the MU4R questions and registration required for employment in this position.