Senior Mortgage Consultant

Peoples Bancorp Inc. Beachwood , OH 44122

Posted 2 months ago

Job Purpose

The Sr. Residential Mortgage Consultant solicits residential mortgage and home equity loan business to meet defined production objectives. The Consultant will develop and nurture an extensive network of mortgage loan referral sources including retail branch partners, realtors, builders and other center-of-influence professionals (CPA's, Attorney, Financial Planners). They will also be an active member of the community in which they live or work and will provide consumer education, product knowledge and support to promote homeownership within their community.

The Sr. Mortgage Consultant will understand all of the residential mortgage and home equity products the bank offers and will understand, and remain current, on the regulations (Regulation Z, Regulation B, Home Mortgage Disclosure Act, RESPA etc.) governing the mortgage lending industry. As a trusted professional to the home loan applicant, they will provide exceptional customer service through all stages of the loan decision cycle from initial interview through application, loan processing and loan closing. They will provide individual attention to each applicant to understand their mortgage lending needs and provide recommendations accordingly. The Sr. Mortgage Consultant has the responsibility of gathering the borrower's personal information (in-person, telephone, on-line, or e-mail) and inputting it into the bank's loan origination system.

The Sr. Mortgage Consultant will further assist customers by identifying and understanding their needs for non-mortgage bank products. Relying on their established internal partner network and through the use of the banks sales referral system, the Consultant will facilitate referrals to other lines of business.

Within this job field, the Peoples Bank officer titles of Assistant Vice President, (AVP), or Vice President, (VP), may be awarded. Recognition with this title will be considered by reviewing factors such as overall experience, management of larger loan pipelines, past performance to goal, thorough leadership in project settings, and mentorship of less experienced Mortgage Consultants. This review process will be monitored by the Residential Lending Sales Manager.

Job Duties

  • Consistently meets or exceeds established production, referral, and customer satisfaction objectives

  • Meet with prospective borrowers to discuss lending options, review the borrowers financial and credit information, and present mortgage loan products

  • Enter complete and thorough application information into the loan origination system

  • Contact the applicant to collect all supporting documentation required for a complete loan package and upload into the loan origination system

  • Actively communicate with prospective borrowers during the application process either in person, by phone, or electronically. Manage loan pipeline, proactively keeping borrowers up to date on the status of their loan request

  • Serves as trusted advisor to other lines of business by attending market team meetings and by participating in joint sales call efforts

  • Uncover client financial needs through the mortgage interview process and make referrals through the sales referral system

Contact all incoming mortgage referrals and keep sales referral system up to date

  • Collaborate with the loan fulfillment team to ensure key process milestones are met, regulations are adhered to and the loan is processed efficiently

  • Updates job knowledge by proactively participating in educational opportunities, reading professional publications, and participating in professional organizations. Demonstrates initiative in developing a broad referral network of retail partners, realtors and other professionals/centers of influence; may involve cold-calling/prospecting

  • Participate in community activities/organizations that promote the bank and homeownership

Attends and participates in Consumer Lending meetings as required by management.

  • Provides mentorship to less experienced Mortgage Consultants and delivers product and service knowledge to their peers

  • Participates in and provides thorough leadership for projects and initiatives related to the Consumer and Residential Lending lines of business

  • Successfully trains and manages Mortgage Sales Assistant, when applicable

  • Accomplishes bank mission by completing related tasks as needed

Education, Experience and Job Skills

Applicant must have strong sales ability, computer skill sets appropriate for the job, a background in mortgage lending, and the ability to obtain their NMLS license.

  • 2 year college degree required, Bachelors degree preferred

  • Exceptional time management skills and proven ability to manage a dynamic pipeline

  • Excellent communication skills, experience in public speaking preferred

  • Ability to comprehend and analyze complex personal financial information

  • Good computer skills

  • 5 years of residential mortgage lending or commensurate sales experience preferred

  • S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site ( provides the MU4R questions and registration required for employment in this position.

Working Together. Building Success.

Peoples Bank is an Equal Opportunity Employer

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Senior Mortgage Consultant

Peoples Bancorp Inc.