Lcm Jobs (NOW HIRING)

Position Purpose - Responsibilities/Duties/Functions/Tasks
The main function of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Mortgage Advisor is to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts.

Originates their own sales by contacting prospective clients.

Develops and maintains referral sources.

Spends at least one or two hours a day, two or more times a week outside of the office (including a home office), originating loans.

Meets with prospective clients at locations other than LCM's offices, e.g., client's home or other locations,

Meets with clients in person to sell mortgage loan products,

Contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts,

Obtains credit information and necessary documentation for application process,

In-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads,

Engages in marketing and promotional activities in support of their own sales,

Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.

Develops solid LCM product knowledge and offers clients the best mortgage products to match client needs

Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines

Analyzes and exercises independent judgment and discretion in advancing LCM's business objectives and the interests of LCM's customers regarding significant financial decisions

Carries out major assignments affecting business operations of the employer or the employer's customers through:

collecting and analyzing information regarding the customer's income, assets, investments, or debts

analyzing applicant data, credit and collateral property value

determining which financial products best meet the customer's needs and financial circumstances

providing advice to the customer regarding the advantages and disadvantages of available financial products

marketing, servicing, or promoting the employer's financial products

Completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries

Provides origination services in the state of licensure

Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities

Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings

Qualifications

Active NMLS License with at least 2+ years of Self-Gen mortgage origination experience required.

Excellent written and verbal communication skills

Familiarity with mortgage processes, procedures, rules, regulations, and compliance

Exceptional customer service skills with a strong attention to detail

Excellent written and verbal communication skills

Strong computer skills to include a working knowledge of MS Office

Ability to comprehend and analyze financial information

Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management

Established contact and referral list within the real estate and mortgage industries preferred

Ability to pass a required background check

Company Statement

In the performance of assigned tasks and duties all employees are expected to conform to the following:

Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines.

Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities.

Ensure every action and decision is aligned with LCM’s core values.

Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at LCM.

Realize team synergies through networking and partnerships across LCM.

Embrace change; act as advocate and role model, promoting an approach of continuous improvement.

Maintain a high standard of customer care while actively listening to customers to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of LCM competencies in providing solutions.

Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.

Work effectively as a team contributor on all assignments.

Perform quality work within appropriate deadlines.

Respect client and employee privacy.

Maintain eligibility for FLSA classification as Outside Sales Exempt, and complete the bi-annual certification process

Work Requirements
Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. Employment with LCM requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as LCM policies. The ability to work extended hours may be required.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.

Lions Capital Mortgage, Inc. is an Equal Opportunity Employer

Lions Capital Mortgage, Inc. Locally owned, operated and trusted within the local community. Our mission is to provide our clients with a strong and secure financial foundation for their homes. Just as a lion is the king of the jungle, we strive to be the leaders in the mortgage industry, offering unparalleled expertise, guidance, and support to ensure that our clients receive the best possible service not only during the loan process but for life. With integrity, transparency, and a commitment to excellence, we aim to empower our clients to make informed decisions and achieve their dreams of homeownership and path towards financial freedom.