BASIC FUNCTION

Meet with new and existing clients to take applications for residential mortgage loans; engage in marketing efforts to build client base and increase business; work with the operations staff to facilitate the processing and closing of mortgage loans; stay current on mortgage laws, rules and regulations and maintain individual licensing in good standing at all times.

ESSENTIAL DUTIES

1. Meet with borrowers to take applications for purchase and refinance transactions.
2. Engage in marketing efforts to increase business, client and referral base.
3. Pull the borrower(s) credit report(s), copy borrower documentation; put file in proper stacking order; pre-qualify the borrower; quote price according to Loan Originator pricing guidelines and input the information into approved LOS.
4. Work with the processor and other operations staff to facilitate the quick and smooth closing of the transaction.
5. Communicate with realtor and borrower on any additional needs and status updates.
6. Lock the loan with the Secondary Marketing Department.
7. Meet with processor on a routine basis to review pipeline.
8. Meet continuing education requirements as required by each state and the NMLS.
9. Attend training as required by Axia from time to time.
10. Keep current on FHA/VA/USDA/Conventional changes and guidelines as communicated by underwriting or operations or external sources.
11. Ensure that an environment of teamwork is maintained at all times.
12. Maintain the highest possible level of customer service.
13. Interface with other departments as necessary to ensure the smooth operation and growth of the Organization.
14. Other duties as assigned

STANDARDS OF PERFORMANCE

1. Demonstrate behavior consistent with Axia’s Pillars of: Advocacy, Excellence, Integrity, and Accountability.
2. Closes an average of 4 loans per month.
3. Greater than 95% of closed loans are correspondent loans.
4. Greater than 75% of closed loans are purchase transactions.
5. Spends the majority of time meeting with clients, prospects, realtors, financial advisors and other referral partners outside of Axia’s offices to solicit future business.
6. Maintains appropriate license in good standing at all times, including annually renewing license in a timely manner.
7. Communicates challenges and opportunities to Manager.
8. Demonstrated ability to be flexible, multi-task and organize priorities in a fast-paced work environment, while maintaining a high level of focus and accuracy.
9. Exercises effective verbal and written communication skills.
10. Maintain up to date industry knowledge and adhere to all regulations and compliance standards on internal and external policies.
11. Uses strong analytical skills, combined with sound judgment and decision-making abilities.
12. Maintains a high level of professionalism with internal and external customers.
13. Demonstrates the ability to maintain confidentiality of customer, company and employee information.
14. Strong customer service values and the ability to deliver a high level of responsiveness to both internal and external customers

1. Minimum of 2 years of mortgage and/or sales experience preferred.
2. Possess the appropriate license to originate loans for the company, in active and good standing.
3. Proven track record showing an average of 4 loans closed per month in the last 12 months.
4. Proven track record showing that 95% of closed loans are correspondent loans.
5. Proven track record showing 75% or more of closed loans are purchase transactions.
6. Ability to be flexible, multi-task and organize priorities in a fast-paced work environment, while maintaining a high level of focus and accuracy.
7. Effective verbal and written communications skills.
8. Possess strong analytical skills, combined with sound judgment and decision-making abilities.
9. Strong customer service values and the ability to deliver a high level of responsiveness to both internal and external customers
10. High level of computer literacy

The requirements listed above 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.