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Caliber Funding
POSITION TITLE: Loan Consultant - Retail
DEPARTMENT: Production
DIRECT REPORT(S): N/A
The Loan Consultant is responsible for structuring the loan application and loan terms, making certain the loan program and pricing structure meets the goals of the client as well as Caliber Funding. The Loan Consultant is responsible for maintaining loan production at or above minimum loan volume and quality targets.
• Inputs all borrower information into the 1003 (LOS)
• Reviews and understands AUS findings in detail and ensures that supporting borrower documentation (i.e. income, assets, liabilities and credit) match the information provided on the 1003
• Provides guidance to borrowers on loan processing flow including an introduction to assigned loan processor
• Works with dedicated Loan Processor to ensure optimum customer service and loan quality; collaborates with Loan Processor on follow-up of conditions and loan status communication to customer and referral partner
• Ensures federal and state required compliance documentation is signed at time of application or has been mailed to the client for signature within 3 days of application interview
• Locks loan in H2O, ensuring lock meets offered rate and covers estimated closing date
• Manages locks requiring corrective steps such as extensions or re-locks
• Communicates to borrowers and/or their agents regarding loan approval, suspense or denial
• Mortgage loan production at/above required volumes
• Presentation of Caliber Funding Value Proposition to potential business sources
• Solicitation of new mortgage loan opportunities within existing and potential customer base
• Marketing activities to promote the Caliber brand; support and reinforce those actions and behaviors that enhance the brand
• High School Diploma or Equivalent
• 3+ years mortgage company experience as a Loan Consultant
• Experience working at a company with centralized operations and paperless technology
• Must be in the top 1/3 of producers in their current market area
• Minimum of twenty loyal and producing Business Partners
• Strong interpersonal, oral and written communication skills
• Ability to work independently in a fast-paced environment
• Customer service orientation
• Time management and organizational skills
• Adaptability/Flexibility
• Communication
• Customer Focus/Service
• Decision Making/Judgment
• Integrity/Ethics
• Leadership • Managing for Results
• Quality
• Strategic Thinking/Management
• Teamwork
• Vision and Values **NO Agency calls please
DEPARTMENT: Production
DIRECT REPORT(S): N/A
The Loan Consultant is responsible for structuring the loan application and loan terms, making certain the loan program and pricing structure meets the goals of the client as well as Caliber Funding. The Loan Consultant is responsible for maintaining loan production at or above minimum loan volume and quality targets.
• Inputs all borrower information into the 1003 (LOS)
• Reviews and understands AUS findings in detail and ensures that supporting borrower documentation (i.e. income, assets, liabilities and credit) match the information provided on the 1003
• Provides guidance to borrowers on loan processing flow including an introduction to assigned loan processor
• Works with dedicated Loan Processor to ensure optimum customer service and loan quality; collaborates with Loan Processor on follow-up of conditions and loan status communication to customer and referral partner
• Ensures federal and state required compliance documentation is signed at time of application or has been mailed to the client for signature within 3 days of application interview
• Locks loan in H2O, ensuring lock meets offered rate and covers estimated closing date
• Manages locks requiring corrective steps such as extensions or re-locks
• Communicates to borrowers and/or their agents regarding loan approval, suspense or denial
• Mortgage loan production at/above required volumes
• Presentation of Caliber Funding Value Proposition to potential business sources
• Solicitation of new mortgage loan opportunities within existing and potential customer base
• Marketing activities to promote the Caliber brand; support and reinforce those actions and behaviors that enhance the brand
• High School Diploma or Equivalent
• 3+ years mortgage company experience as a Loan Consultant
• Experience working at a company with centralized operations and paperless technology
• Must be in the top 1/3 of producers in their current market area
• Minimum of twenty loyal and producing Business Partners
• Strong interpersonal, oral and written communication skills
• Ability to work independently in a fast-paced environment
• Customer service orientation
• Time management and organizational skills
• Adaptability/Flexibility
• Communication
• Customer Focus/Service
• Decision Making/Judgment
• Integrity/Ethics
• Leadership • Managing for Results
• Quality
• Strategic Thinking/Management
• Teamwork
• Vision and Values
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