Posting Date: 2009-12-23
Job SUMMARY:
To prospect for potential mortgage business for the lending institution then prepare, analyze and verify mortgage loan applications to purchase real estate or to refinance an existing mortgage
Essential Functions
1. Meets with prospect or client and discusses how lending institution's products can help them
2. Depending on needs of the prospect, prepares a mortgage product of the lending institution best suited to the needs of the client eg. regular mortgage, adjustable rate mortgage, reverse equity mortgage, shared equity mortgage, etc.
3. Receives formal application for a mortgage from the client. Assists clients with completing technical details of the application.
4. Reviews completed mortgage application for accuracy and thoroughness and requests additional information if necessary
5. Requests a credit report on the applicant from one or more major credit reporting agencies.
6. Reviews completed information in application file and compares to the lending institution's requirements. May grant or reject the mortgage application.
7. Develops strong referral network in banking community, builders and real estate agents in the area, and in the community.
8. Visits homes of clients wishing to refinance mortgage or may view site of prospective real estate purchase.
9. Monitors interest rate fluctuations to provide most attractive terms to present clients and prospects.
"I have worked with many lenders over the years, but Envoy is by far the best and I am impressed with their outstanding service, competitive rates and stellar performance." 
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