Capital City Jobs (NOW HIRING)

Mortgage Consultant - Capital City Home Loans
Hours: Mon - Fri 40 Hours
General Summary
The Mortgage Consultant pro-actively markets and promotes Capital City Home Loans' financial products to meet established loan quality and production goals. The Mortgage Consultant represents the company in a professional and enthusiastic manner by providing an exceptional level of client service, supporting and adhering to our core values in all functions of the job responsibilities and interaction with internal and external clients.
In this on-going sales role, the Mortgage Consultant continually identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Consultant's network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the Mortgage Consultant's regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations.
The Mortgage Consultant responds to client inquiries and referrals in a timely manner. The Mortgage Consultant conducts interviews with prospective borrowers in order to analyze financial and credit data, determine client financing objectives, advise clients of product/pricing policies and guidelines, and gather any additional required information. The Mortgage Consultant ensures exceptional client service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.
In compliance with the S.A.F.E. Act, registration in the NMLS Registry is required.
All associates at Capital City Bank and Capital City Home Loans have access to confidential client information and must practice discretion at all times.
Principal Duties and Responsibilities
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Markets and promotes Capital City Home Loans financial products to their business community including builders/developers, real estate brokers, financial institutions, friends, and family.
• Ensures exceptional client service experience by overseeing loan process from origination to close and providing on-going communication to clients and business partners.
• Collects and analyses financial documentation from the borrower and advises the potential borrower of their lending options.
• Recommends the appropriate loan program based on the borrowers needs and financial circumstances including credit history, assets, debts, investments, and amount of the loan.
• Ensures loan application is complete, legible, signed and detailed prior to submission.
• Collects supporting loan documentation as required and provide complete package to Processer.
• Obtain the Capital City Home Loans' Float/Lock Letter at the time of the loan application with the float or lock portion completed.
• Locks the loan with secondary marketing via the lock desk and responds timely to all calls regarding interest rates.
• Work with Processors to ensure all loan conditions are met.
• Develop Business Referral Network from outside sources such as attending networking activities, prospecting, cold-calling and marketing.
• Participate in community efforts to promote home ownership.
• Attend and complete all Capital City Home Loans required training

Employer determines the essential functions of the job.
All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank and Capital City Home Loans, with department managers setting the standard.
Associated Duties
Provides additional support to manager and department colleagues.
Completes all assigned/required Bank training within established timelines.
Knowledge, Skills and Abilities (KSAs) Required
The following KSAs are usually acquired through work experience and/or specialized course(s):

• Responsible for knowing product manuals and understanding all company loan programs and their requirements.
• Responsible for staying up to date on federal, state, and local laws, regulations, FNMA, FHLMC, FHA, USDA and VA as they pertain to the mortgage lending industry.
• Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
• Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
• Ability to analyze and comprehend complex financial data and provide financial alternatives.
• Strong computer skills.
• Professional and effective interpersonal skills.
• Demonstrated understanding of mortgage processing, underwriting and closing procedures.

Education
Bachelor's Degree from an accredited college required. Minimum of 1-year residential mortgage lending experience with a focus on generating self-sourced business. Relevant experience may substitute for the education requirement.
Verifiable, established network of referral business including Real Estate professionals and other centers of influence.
Working Conditions

• In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.

Capital City Bank associates are our greatest asset. We offer the following benefits

• Medical, Dental and Vision
• Life Insurance
• 401(k) with Matching
• Flexible Spending Accounts
• Tuition Assistance
• Stock Purchase
• Discounts on Products and Services

EOE/Protected Veterans/Disabled/Drug Free
The above declarations are not intended to be an "all-inclusive" list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.
THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank, Capital City Investments, Capital City Trust Company, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.