Fifth Third Bank Mortgage Direct Sales Assistant. in Cincinnati, Ohio
Fifth Third Bank is one of the top-performing banks in the country, with a heritage that spans more than 150 years. We've staked our claim on looking at things differently to making banking a Fifth Third Better. This applies to our relationships with customers and employees alike.
We employ about 18,000 people, and what we offer is:
# A chance for employees to build their future, with supportive career development and financial wellness programs.
# An environment where we win together. We celebrate achievement and work collaboratively. We're also a three-time Gallup Great Workplace honoree.
# An invitation to impact lives in a positive and lasting way. Everything we do is geared toward improving lives. That's fun and exciting.
It comes down to the fact that Fifth Third is a warm and caring place to with which to grow # as a customer or as a team member.
Mortgage Banking at Fifth Third Bank encompasses three sales channels # Retail, Direct and Correspondent. It also includes the operations side, with three major Fulfillment Centers in Cincinnati, Ohio; Grand Rapids, Michigan; and Chicago, Illinois. We offer many different mortgage loan options, and our customers look to us when they are thinking about buying a new home, building their dream home, refinancing their existing home, or exploring options for downsizing. Additionally, the Fifth Third partners with the Community College Foundation to bring the Financial Empowerment eBus to our communities. This bus is retrofitted as a mobile classroom that hits the streets to provide financial education on important topics including homeownership. We also play a key role in supporting homeownership by offering refinancing and modification opportunities.
GENERAL FUNCTION: The Sales Assistant role the Consumer Direct Channel Mortgage department, undertakes a wide range of responsibility of assisting the Sales department by assisting every Mortgage Loan Originator. They act as the main facilitatorofcommunications between the MLO, the customer and the Fulfillment teams. The purpose for the SA team is to assist in ensuring top quality mortgage loan applications in addition to increasing the MLOs efficiency to drive production.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank#s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
DUTIES & RESPONSIBILITIES:
. Completes quality assurance tasks to ensure that files are moving from the beginning stages of a refinance/purchase loan to the next steps in the fulfillment process.
. Confirms and review all documentation needed at time of application with the customer to ensure the file will meet the 7-Day submission requirement.
. Ensures all components to the file are ordered, copied and included in the loan package prior to processing.
. Prepares/sends out preliminary loan documentation
. Serve as a liaison between MLO and the customer until file is sent to fulfillment for processing.
. Assisting in all other areas of the loan as necessary to provide additional support and efficiency.
. Hard stops files for lack of completion and ensures completeness before moving forward
. Accompanies each customer through the welcoming stage of their loan by communicating all welcome and follow-up calls
. Maintains a pipeline of incoming and current loan files
. Managing time throughout the day with in-progress and incoming tasks to be completed in a timely manner
. Maintain professionalism within verbal and written communications
. Reviews confidential information such as: credit reports, guideline specifics to each loan, purchase/sale agreements, personal income/asset documentation, ect.
. Assists the channel in Minimum Submission scores and the overall experience for every customer
SUPERVISORY RESPONSIBILITIES: None
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
. High school diploma or equivalent.
. Broad understanding of residential mortgage loans.
. Proven computer skills with knowledge of windows based applications.
. Knowledge of federal lending regulations governing residential real estate lending.
. Demonstrated leadership and organizational skills.
. Strong written and verbal communications skills.
. Demonstrated teamwork and customer service skills.
. Ability to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired.
. Ability to learn and apply knowledge of conventional, government, portfolio guidelines and the computer loan application system.
. Ability to observe/review detailed documentation
. Strong work ethic and excellent time management skills
- This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required foremployment in this position.
Fifth Third Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.