Home Loan Specialist

Description

About Us:

Churchill Mortgage began in 1992 with the core value of providing the highest level of integrity to each and every customer, meaning we tell our customers what is best for them even when it means we won't close their loan. We have found over and over again that treating people the way we want to be treated is not only the right thing to do, but it builds lasting relationships. Churchill Mortgage proudly embraces the sound financial principles, as heard on the Dave Ramsey Show. The average tenure of a Loan Officer is 1.7 years. Churchill Mortgage’s average Loan Officer tenure is 4.3 years!

Basic Function

To review, qualify and process loan applications, coordinate the approval or disapproval of loan applications within established investor limits and facilitate disbursement of loan funds. 

Responsibilities

• Originate and make sales of loan packages to customers, including meeting and counseling with customers at their homes and offices.  
• Engage in marketing, promotion and business development activities in support of sales, including calling on real estate agents and brokers, financial advisors and other potential referral sources.  
• Provide applicants with information regarding the loan application process.  
• Have comprehensive knowledge of state and federal regulations.  
• Must meet all state requirements for continuing education and licensing.  
• Provide applicants with available options pertaining to their mortgage loan needs.  
• Counsel customers with respect to credit needs.  
• Obtain complete loan application including all support documentation needed to process the loan.  
• Pre-qualify potential loan applicants by analyzing financial background.  
• Follow-up on processing the loan by obtaining additional applicant information if necessary.  
• Maintain communications between the lender and borrower.  
• Establish rate with borrower verbally and in writing prior to settlement.  
• Understand and support the corporation's policies and procedures to provide proper and effective treatment to all of the corporation's customers.  
• Resolve any customer problems in an expeditious and tactful manner.  
• Review and report complaints received from customers and recommend corrective action to management.  
• Consumer direct sales

Qualifications

Skills

Active NMLS license, Independent Judgment, Oral Communication Skills, Written Communication Skills, Analyzing Skills, Reading Skills, Customer Service, Diplomacy, Organization, Negotiation, Math Aptitude, Planning, Professionalism, Proofreading Skills, Time Management, Computer Literacy, Alpha/Numeric Keyboard Skills.

Qualifications:

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/Experience:

High school diploma or general education degree (GED); 2 years related residential mortgage lending process experience and/or training; or equivalent combination of education and experience.

Language Ability:

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

Math Ability:

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning Ability:

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills:

To perform this job successfully, an individual should have knowledge of Loan Origination Software.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the 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 Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to sit; use hands; reach with hands and arms and talk or hear. The employee is required to stand and walk and interact with customers. Specific vision abilities required by this job include close vision and ability to adjust focus.

Other Requirements: 
Must be able to pass a criminal history information background check. Other duties may be applicable as business needs may dictate and as assigned by management.

Benefits

Churchill Mortgage’s generous benefits package is available to all full-time employees. This includes Medical, Dental, Vision, HSA, FSA, Life, Disability, Accident, Cancer, Critical Illness, 401(k) & ESOP (Employee Stock Ownership Program). 

Employees Own the Company

Our ESOP was established by founder and president, Mike Hardwick, in 2013. It gives all current and future Churchill Mortgage employees ownership of the company in the form of company stock. Churchill Mortgage is the first privately-owned mortgage company to offer an Employee Stock Ownership Program (ESOP).