Direct Lending Officer

$22,402 - $31,470/Yr

Flagstar Bank - Helena, MT

Full-time

Remote - Helena, MT

Credit Intermediation and Related Activities

About the position

The Direct Lending Officer plays a crucial role in assisting customers with mortgage home loan originations at Flagstar Bank. This position focuses on providing friendly, efficient, and knowledgeable service to establish and maintain customer relationships, ultimately contributing to the bank's growth. The officer is responsible for interviewing customers, analyzing data, originating loans, and ensuring a smooth process through to loan closing.

Responsibilities

• Originate mortgage loans that meet Flagstar bank credit and underwriting requirements.
• Perform all origination tasks in accordance with industry and regulatory guidelines and requirements.
• Achieve sales and referral goals by developing a one-of-a-kind customer experience.
• Refer clients to other Flagstar business partners for additional financial products and services.
• Answer calls from the queue and follow up on Flagstar.com Internet leads and make outbound calls.
• Proactively seek ways to develop and expand customer relationships to achieve departmental and personal goals.
• Meet monthly goals, including applications taken, lead conversion rates, applications closed, and calls/internet leads volume.
• Provide status updates and assist processing with the collection of any trailing borrower documentation needed to complete loan processing and closing.
• Facilitate communications with the borrower and real estate agents, keeping both informed throughout the process.
• Attend Flagstar required production meetings and complete all required training.
• Actively participate in opportunities to expand knowledge, influencing, and interpersonal skills.
• Ensure compliance with applicable federal, state, and local laws and regulations.
• Maintain knowledge of and adhere to Flagstar's internal compliance policies and procedures.

Requirements

• 1+ year(s) of working in the Direct to Consumer origination business preferred.
• Must meet and comply with all requirements set forth in the SAFE Act, including successful completion of required background checks and obtaining a unique identifier for the NMLS.
• Ideal candidate would have some business/professional experience.
• Sales experience is preferred but not required.
• Excellent written and verbal communication skills.
• Comfortable speaking to customers over the phone.
• Desire and willingness to call on prospective and existing clients for sales opportunities.
• Knowledge of principles and processes for providing customer and personal services, including customer needs assessment and meeting quality standards for services.
• Excellent customer service skills.
• Excellent organizational skills.
• Strong computer skills including MS applications and previous experience utilizing laptop technology.

Nice-to-haves

• Sales experience is preferred but not required.