DIGITAL MORTGAGE LOAN ORIGINATOR - MORTGAGE SALES - FIRSTBANK PR

FIRSTBANK

DIGITAL MORTGAGE LOAN ORIGINATOR

MORTGAGE SALES

Our Company

At FirstBank PR, we strive to be a trusted advisor to our clients and our employees are the ones that ensure we deliver on our promise of excellence in personalized customer service. Our more than 3,100 employees in Puerto Rico, the Virgin Islands and Florida share a passion for excellent customer service. We are proud of our team because they are continuously surpassing our client’s expectations

A Brief Overview

The Mortgage Account Executive is responsible for assisting clients in obtaining a mortgage to purchase or refinance a property, The employee will be responsible for originating residential mortgage loans, including evaluating and determining preliminary eligibility based on financial information, completing and when needed, closing loan applications. This role requires an individual with excellent customer service and communication skills, who understands the mortgage loan process and is knowledgeable in all loan products available. The Mortgage Account Executive must be able to build and maintain relationships with clients and real estate agents in order to ensure the best possible loan product and terms. In this role the incumbent must ensure excellent customer experience including ensuring a digital end to end process.

What you’ll do

• Interview clients to gather and analyze financial information to offer the best product available which will meet their needs.

• Compiles and organizes all clients’ information needed, according to type of loan requested, and executes the processing of documents to accelerate the approval process. If necessary, visits customer to complete the required information.

• Ensures loans are disclosed and process is followed according to all regulatory requirements including but not limited to TRID, TILA, RESPA, FCRA,

• Fully explain the mortgage process and sets the right expectations of what the experience will entail.

• Manage leads received to ensure high application conversion rate, by promptly answering all phone calls and lead opportunities. Ensuring follow up is within the established quality standards. Update system accordingly.

• Provide electronic content, encourage use of e-consent to facilitate a timely closing of the loan, fully explain the loan estimate (LE), and obtain intent to proceed, and initial documentation.

• Maintain communication with client throughout the processing period to ensure service continues to meet their needs, conveying the appropriate level of urgency and professionalism to ensure excellent customer experience.

• Maintain excellent client and realtor relationships to ensure they are converted into a referral source.

• Participate in the analysis and discussion of strategies which will assist to increase leads and improve overall conversion rate.

• Identify cross selling opportunities for other FirstBank products and services.

What You’ll Need to Succeed

Education

• High school degree and experience that provide the necessary skills and knowledge to satisfactorily perform the essential job functions is required

• Bachelor’s degree in finance, Economics or a related field preferred

• Mortgage Loan Originator License or technical courses preferred

Knowledge

• 2 years of experience in the Mortgage Business in a similar position, of residential mortgage lending experience with a focus on generating business is required

• 1 to 2 years of experience as Entry-level Mortgage Loan Officers in the financial services industry, often through roles such as Loan Processor, Loan Assistant, or Customer Service Representative in a bank or credit union preferred.

Competencies:

• Customer Focus - Anticipates and provides service excellence to both internal and external customers

• Building Strong relations - Establishes, sustains and fosters both internal and professional contacts to build, enhance, and connect to FirstBank services.

• Communication - Delivers clear, effective communication and takes responsibility for understanding others.

• Business Acumen - Understands how the organization works, including, current and future policies, practices and trends.

• Problem Analysis & Solution - Identifies problems and conducts appropriate analyses involving others to searches for best solutions.

• Ownership - Takes initiative and assumes personal accountability for goals, outcomes and deadlines.

• Vision & Values - The employee understands organization’s vision and upholds the organizations values in everyday words and actions. At higher levels the employee takes a long-term view and share with others the vision and the organization path ahead.

• Collaboration & Teamwork - Provides direction to help teams achieve goals and operate cooperatively and cohesively
• Change & Innovation - Creates a view of change as an opportunity and inspires others.Looks for new ways to experiment with new ideas and approaches

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not indented to be an exhaustive list of all responsibilities, duties, skills required of personnel so classified. The reporting relationship may not reflect the most recent changes to the corporate reporting structure.

EQUAL EMPLOYMENT OPORTUNITY EMPLOYER