Mortgage Loan Officer (Chinese Mandarin)

Location: Brooklyn, NY, United States
Date Posted: 20-09-2017
Mortgage Loan Officer (Chinese Mandarin Language Required)

Brooklyn, NY

Job Mission
  • Generate mortgage loan production.  
  • Actively solicit new business, develop and maintain sources to achieve the assigned business objectives and financial performance. 
  • Support and participate in executing the bank’s strategic vision for the department  
  • Represent the bank by participating in local professional and community associations in their networking activities. 
  • Ensure that all loan originations are in compliance with the bank’s policies and procedures and government regulations.

Job Duties
  • Originate mortgage and related loan applications  in an assigned territory; develop long term referral relationships with realtors, builders, bankers, and other sources in order to proactively solicit business and conduct sales-related activities, frequently outside of Bank locations, in order to meet specific loan volume origination goals. 
  • Identify cross-sell opportunities, including opportunities to refer customers to other sales representatives (Branch staff, Commercial Real Estate, Commercial and Industrial Lending, Cash  Management, Financial Consultants) through proper customer profiling and needs-based selling
  • Process self sourced and bank branch sourced loan applications.
  • Collect, examine and evaluate financial and personal data in order to pre-qualify, counsel and recommend appropriate residential lending products to applicants.
  • Receive loan applications, review application information and obtain specific supporting documents needed/required based on loan investor guidelines, and submit properly completed loan application packages to processing and underwriting for approval. 
  • Correspond, communicate and coordinate with applicants, in-house support staff and outside service providers to facilitate timely loan processing and closing. 
  • Actively participate in all bank’s mortgage and mortgage related product sales campaigns and promotions and exceed target goals
  • Successfully complete all mandatory training assigned in a timely manner
  • Coach branch staff in the proper compilation of loan packages and on mortgage and related product features and sales techniques.
  • Refer mortgage customers to retail branch and wealth management  staff for cross selling opportunities
  • Support and encourage team approach to serving assigned branches
  • Understand and comply with all applicable Bank’s policies and procedures as well as governing laws and regulations.  
  • Perform related duties, as required, for the training and development purposes. 
  • Perform all assigned duties under Bank’s compliance programs and related laws & regulations
  • Successfully complete all mandatory training on related Bank’s and BSA compliance as well as other laws and regulations as assigned and in a timely manner.

Qualification & Prerequisites
  • 2+ years of external/outside retail mortgage  loan origination experience with an emphasis on self-sourced business 
  • Ability to establish referral partner relationships in the market (e.g., realtors, builders, attorneys, financial advisors or CPAs) 
  • Thorough knowledge of mortgage related products, procedures, and the government rules and regulations pertaining to them
  • Excellent customer service skills with the availability to assist customers on evenings and weekends 
  • Willingness to work in a fully commissioned sales environment 
  • Good verbal and written communication skills with the ability to explain programs, loan terms, features, policies and benefits to customers and business partners 
  • The Foreign National Program  a plus
  • Experience with LMI or CRA loans a plus
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