History teacher Jobs in Cobourg, ON

Job Details

Description

Position Summary :

The Mortgage Consultant pro-actively markets and promotes Capital City Home Loans financial products to meet established loan quality and production goals. The Mortgage Consultant represents the company in a professional and enthusiastic manner by providing an exceptional level of customer service, supporting and adhering to our core values in all functions of the job responsibilities and interaction with internal and external customers.

In this on-going sales role, the Mortgage Consultant continually identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Consultant's network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the Mortgage Consultant's regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations.

The Mortgage Consultant responds to customer inquiries and referrals in a timely manner. The Mortgage Consultant conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product / pricing policies and guidelines, and gather any additional required information. The Mortgage Consultant ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.

Essential / Primary Job Functions :

• Markets and promotes Capital City Home Loans financial products to their business community including builders / developers, real estate brokers, financial institutions, friends and family.
• Ensures exceptional customer service experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners.
• Collects and analyses financial documentation from the borrower and advises the potential borrower of their lending options.
• Recommends the appropriate loan program based on the borrowers needs and financial circumstances including credit history, assets, debts, investments, and amount of the loan.
• Ensures loan application is complete, legible, signed and detailed prior to submission.
• Collects supporting loan documentation as required and provide complete package to Processer.
• Obtain the Capital City Home Loans Float / Lock Letter at the time of the loan application with the float or lock portion completed.
• Locks the loan with secondary marketing via the lock desk and responds timely to all calls regarding interest rates.
• Work with Processors to ensure all loan conditions are met.
• Develop Business Referral Network from outside sources such as attending networking activities, prospecting, cold-calling and marketing.
• Participate in community efforts to promote home ownership.
• Attend and complete all Capital City Home Loans required training.

Qualifications

Job Requirements / Knowledge :

Education / Work Experience :