Union Construction Jobs in Ridgecrest, CA (NOW HIRING)

Role
Solicits and develops a wide variety of residential mortgage loans. Spends a significant amount of time on outside sales activities. Includes mortgage, home equity loans, etc. Works with realtors and other mortgage referral sources. Primarily deals with direct, single family loans. Typically requires up to 2 years experience.
Major Duties and Responsibilities
Receives and screens loan applications; requests applicant credit and mortgage status, banking and personal reference, notifies those applicants not qualified for further consideration.
Conducts the loan interview and secures the customer information necessary to initiate a loan transaction. Then provides loan information and service to customers, realtors, and others as needed.
Prepares records and reports as requested regarding loan origination and closing activities as needed.
Responds to inquiries from prospective customers regarding all types of mortgage and construction loans, provides requested information regarding the organizations lending policies and procedures.
Screens completed applicants; submits those applications qualified for further consideration to the Loan Originator for approval; provides the Processor with additional information as required.
Requests a personal employment and credit check of the applicant, requests an appraisal on the property and/or construction plans under consideration.
Cross-sells loan customers products including but not limited to hazard insurance, health, accident, life insurance, Visa as available.
Maintains close relations with others in the banking community, home construction, and real estate to be knowledgeable about property values and to build network of professionals.
Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Knowledge and Skills
Experience
Experience with Federal Housing Authority (FHA), Veterans Affairs (VA), and Federal National Mortgage (Fannie Mae), and construction loans
Education/Certifications/Licenses
Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.
Interpersonal Skills
A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.
Other Skills
Is responsible for a width of information including but not limited to: the organizations current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with Mortgage Lending (Execulines, second mortgage products, swing loans, land loans, etc.), Bankpro loan origination software system.
ADA Requirements
Physical Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including CRTs, typewriters, telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
Working Conditions
Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. Requires 50% of travel and must attend in office meetings as needed
Mental and/or Emotional Requirements
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete complex mathematical calculations and spell accurately. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.