Mortgage Consultant - Retail Sales Job in San Antonio (Texas, USA, United States)

Description
Responsible for all aspects of mortgage originations specific to pre-funding operations such as sales analysis, interviewing, gathering data and compiling a quality loan application. It is the Mortgage Consultant’s responsibility to ensure that loans are processed, underwritten and closed accurately and in a timely manner while remaining in compliance and with the most professional execution. The Mortgage Consultant is a partner to Fulfillment in delivering an excellent customer experience.

Specific Responsibilities:
- Ability to work in a Bank regulated or similar financial institution environment to partner and leverage products and customers.
- Work personal existing book of business from external sources such as:
- Realtors
- Builders
- Attorneys
- CPAs
- Financial Planners
- Developers
- Utilize needs based consultant selling skills for mortgage programs and other financial lending and deposit products and ensure maximum cross sell opportunities.
- Ability to thrive in a team environment and utilize exceptional partnership skills.

Partner with our bank culture and all branch touch points to achieve goals together with:
- Branch Manager
- Assistant Manager
- Relationship Banker
- Teller
- Other Branch Franchise partners – SBB, Financial Advisor (Consultant),
- Leverage both external referral business and internal sources for maximum market share penetration.
- Target external to bank mix: 70/30
- Develop and execute a local marketing plan for external and internal business development designed to meet goals and objectives.
- Focus exclusively on customer needs and customer service.
- Proactively market with a strong visibility in branch on a daily basis – daily huddles, sales meetings and joint sales calls with partners
- “Quarterback” the mortgage lending efforts of the branch.
- Program and pipeline updates and branch mortgage activities and events such as “Mortgage Days,” Community Events, First time home buyer seminars and/or Bank at Work promotions
- Educate branch staff on mortgage basics and coordinate together on the referral program.
- To promote behavior that is consistent with Capital One’s visions, values and ethics in order to always “do the right thing.”

Basic Qualifications:
- High School Diploma, GED or Equivalent Certification
- At least 3 years experience in residential mortgage sales originations
- At least 2 years experience in mortgage originations operations with a knowledge of loan underwriting, processing and closing functions.
- At least 2 years experience in FNMA/FHLMC/FHA/VA programs and underwriting guidelines, as well as those of other conventional investors, state/local bond programs and private mortgage insurers

Preferred Qualifications:
- Bachelor’s Degree
- At least 2 years experience working in a Bank regulated environment.
- An existing book of business from external sources.
- Needs based, consultative sell