Job Type: Full-time
Location: Parsippany, NJ
Summary:
The Home Mortgage Advisor plays a vital role in guiding clients through the mortgage process, offering expert advice on home financing options tailored to their needs. This position requires in-depth knowledge of mortgage products, industry regulations, and financial analysis to assist borrowers in securing home loans. The Advisor is responsible for originating new home loans, structuring deals that align with customer goals, and managing the entire mortgage and home equity loan application process.
Beyond loan origination, this role focuses on driving portfolio growth by actively promoting and cross-selling the bank’s home loan products. The Advisor will build strong relationships with clients, real estate professionals, and financial institutions to expand market presence. Participation in seminars, webinars, workshops, community events, and internal meetings is essential to enhance customer engagement and increase awareness of the bank’s mortgage offerings. Through exceptional customer service and proactive support, the Home Mortgage Advisor ensures a seamless loan experience while fostering long-term client relationships.
Minimum/Essential Job Requirements:
Primary Responsibilities
Deliver top-tier customer service by processing mortgage and home equity leads from branch and contact center referrals, calls, emails, and other channels.
Actively listen to understand borrower needs, take complete and qualified applications, and structure deals to align with borrower objectives.
Cross-sell products and services to meet lending needs and refer deposit product needs to branch partners.
Recognize and escalate service issues as necessary, ensuring timely resolution for time-sensitive or complex service needs.
Consistently meet or exceed performance metrics, such as application conversion rates, call handling times, and borrower satisfaction scores.
Ensure compliance with all regulatory requirements, maintaining a current NMLS number and displaying the MLO Unique Identifier on business cards, email signatures, and communications.
Stay informed on the latest mortgage products, regulatory updates, contact center trends, and bank policies, implementing enhancements as needed.
Utilize relevant technology tools effectively, including borrower engagement platforms, telephony systems, CRM, and Loan Origination Software (LOS).
Recommend new technology, workflows, and processes to enhance customer engagement, improve operational efficiency, and support evolving customer needs.
Stay up to date with advancements in mortgage origination technology and contact center software to maintain high service standards.
Demonstrate proficiency in Microsoft Suite (Word, Excel, PowerPoint) and industry-leading LOS, such as Dark Matter Empower.
Attend and facilitate homebuyer education seminars, financial wellness webinars, and other events to provide valuable guidance and promote residential lending services.
Participate in bank-sponsored community events and branch meetings to build awareness of home loan products among employees, customers, and prospects.
Develop and nurture strategic relationships with community partners to support business growth and community involvement.
Work regularly from branches to increase awareness of home loan products among team members, assisting with customer and prospect education.
Collaborate with Branch Relationship Managers, Assistant Branch Managers, branch teams, and contact center teams to align on lending goals and foster a cohesive approach to residential lending.