SUMMARY

The primary role of a Inside Mortgage Loan Consultant - Community Outreach is to develop and enhance community outreach and develop and originate loans for low to moderate income borrowers in targeted REMA areas. This position also handles internal referrals for employee loans and loans referred from the First United servicing portfolio. The position is directly responsible for origination objectives and sales strategies that will expand market share and community outreach along with handling internal referrals.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

1. Uses interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals.

2. Creates networks in communities currently under-served by existing sales team and attends community events to foster relationships and brand recognition.

3. Works with bank personnel to promote First United in assigned markets and develops relationships with community lenders, developers, nonprofit organizations within designated communities to help generate loans in these areas.

4. Develops and/or provides community designated outreach including but not limited to the following monthly events:

• 2 Homebuyer seminars
• 1 School financial literacy event
• 2 Community outreach events
• 4 Realtor appointments
• 4 Community appointments

5. Takes thorough and complete loan applications; analyzes and pre-qualifies applicant information to determine viability of the client's desired loan program.

• 10 pre-qualifications
• 4 REMA applications
• 1 REMA closed loan
• 1 Employee closed loan

6. Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower's statements and loan application.

7. Determines the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product.

8. Submits the loan application, preliminary income verification documents, preliminary asset verification documents, loan disclosures, any required credit explanation letters and executed application forms to processing.

9. Counsels the borrower through the application, approval and closing process - including review of the Closing Disclosure with the borrower prior to closing.

10. Monitors all leads and follows up on leads in time required and proactively works any lead to develop current and future customers.

11. Meets minimum expectations for First United best practices and production standards.

12. Engages in and builds relationships in under-served areas in which First United has lending designates.

13. Provides exceptional customer service, maintains high ethical standards, and insures compliance with every borrower.

ADDITIONAL DUTIES AND RESONSIBILITIES

• Performs other duties as requested by Executive Management or Supervisor.
• Completes all required compliance exams on a yearly basis.
• Adherence to all First United Policies and Procedures.
• Dresses professionally.

EMPLOYEE SPECIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

• High School diploma or GED required.

• Prefer one year experience in mortgage lending environment.
• Proven record of success for generating sales in a mortgage lending environment.

Technical/Functional Competencies

• Possession of strong organizational skills.
• Excellent verbal and written communication skills.
• Exceptional interpersonal communication skills.
• Ability to work independently on assigned tasks as well as to accept direction on given assignments.
• Demonstrated technical knowledge of Bank, Mortgage, Federal and State lending and compliance/regulatory matters.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at for assistance.