Working both in an independent and team environment, the Mortgage Lender & Account Manager meet directly with applicants to review their mortgage needs, and analyze their credit, business plan and real estate. While previous experience in mortgage or real estate services would be an asset, preference will be given to a dynamic, diverse candidate with strong business acumen, an ability to learn and interpret new concepts rapidly, and who is comfortable working in both an analytical and a client relations role. Full training and support to be successful in this role is provided.
Review new mortgage business including a client's: mortgage needs; and, mortgage risk profile Analyze the mortgage request using criteria to determine risk Make credit decisions independently and manage the loans collaboratively : you will determine if an application is approved or declined, and work to manage loans with the team Structure, negotiate and authorize mortgage details and conditions of the advance Set the mortgage rate appropriate to market and risk Research and evaluate residential and small commercial real estate values,
using in office research and valuation methods as well as site visit assessments Manage overdue accounts and work with clients to collect payments and solve problems Use your communication and listening skills to work with clients and mortgage associates to create strong relationships Generate current mortgage applications through established broker channels and referral sources What is Calvert Home Mortgage looking for in you? Your research and analysis skills - to evaluate and inspect real estate for their value, and potential risks; to analyze the real estate market and local economic conditions Your listening and communication skills - to interview and understand your client, their mortgage needs, their credit risks and benefits; work with clients to collect on overdue accounts; sell the company's services to the mortgage brokerage industry and to borrowers Your drive to achieve - determined to create value for yourself, the client and the business by building business and making complete and careful credit decisions Your drive to learn - about best practices in loan analysis and negotiation, appraising and risk management of a mortgage portfolio; Your organizational abilities - to work on numerous files and with numerous clients and mortgage brokers at the same time Driver's license and vehicle transportation required for in city site visits, and short out of town site assessments. We are an equitable employer offering a wide range of employee benefits, including a competitive salary plus bonus program, opportunity for share ownership and health spending accounts and/or benefits. 2. 300 word essay about the real estate market (topic of your choice).
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