Account Executive

About The Role

The Wholesale Account Executive is responsible for soliciting, analyzing, negotiating and verifying mortgage loan applications for the purchase or refinance of residential real estate. Spends more than 50% of the work time away from place of business soliciting new loans.

Essential Job Duties/Responsibilities:

The following job functions are not all-inclusive. The employee will be required to perform other job-related tasks/responsibilities as requested. Job duties may change as required by needs of the company.

• Commitment to and behavior modeling of the Company’s Core Values
• Observable display of a sense of urgency in the execution of duties
• Consistently spends more than 50% of work time away from place of business (including home office) in solicitation of new business.
• Meets with and interviews potential and current clients to understand their lending needs including first-time mortgages and refinance of existing loans.
• Demonstrates knowledge and communicates effectively regarding mortgage options.
• Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications.
• Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness.
• Reviews loan applications, gathers credit histories and reports, and completes initial assessment of applicants’ capacity to repay and default risk.
• Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.
• Develops and maintains contacts with customers, local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages.
• Ensures all originations processes are in accordance with CHM policies, procedures and state and federal regulatory laws.
• Maintain and protect all confidential and personal private information gathered in course of performing job duties.
• Other duties as assigned