Consumer Loan Specialist - Real Estate in Franklin, TN at First Horizon National Corporation

Date Posted: 9/14/2020

Job Snapshot

  • Employee Type:
    Full-Time
  • Location:
    1214 Murfreesboro Road
    Franklin, TN
  • Job Type:
  • Experience:
    At least 5 year(s)
  • Date Posted:
    9/14/2020
  • Job ID:
    CONSU02456

Job Description

The primary responsibility of the Consumer Loan Specialist - Real Estate will be to originate consumer real estate loan requests referred from the retail delivery system (including branch referrals, non-strategic loans and online leads), and deliver a superior customer experience throughout the loan process.  This position also requires knowledge of consumer non-real estate loan products that would be handled by the NRE Centralized Lending Team, to insure proper product presentation, selection and delivery.

Note: As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.

Job Duties:

  1. Receives inbound calls from financial centers regarding consumer real estate loan inquiries, conducts interview with customer and makes product recommendations based on the customer’s needs.
  2. Originates and delivers a complete loan application through appropriate loan origination system (Encompass or InStep).
  3. Communicates initial underwriting decision to customer and collects all required documentation from the customer to process the loan request.
  4. Communicates ongoing loan status to the customer and the branch referral partner throughout the application life cycle.
  5. Communicates final loan decision and approved terms to the customer prior to loan closing.
  6. Coordinates loan closing through proper channel and provides any additional support needed to bankers (FSRs, BCMs) via phone during loan closing and funding.
  7. Prepares all required early disclosures and insures delivery within regulatory timelines (HELOCs)
  8. Works with Consumer Lending Center and Encompass underwriting, processing and closing staff to insure seamless loan delivery.
  9. Works with regional consumer loan management on pricing and credit exceptions.
  10. Assists bankers (FSRs and BCMs) with consumer lending questions, both non-real estate and real estate.
  11. Provides feedback to loan partners (Credit Operations, Consumer Lending Center, Fulfillment, etc.) regarding products and processes.
  12. Makes outbound calls to highly qualified prospective customers identified through marketing programs and promotions.
  13. Completes, passes and maintains an up to date status for all positional and company required compliance and regulatory courses by the due date.

Qualifications:

  • Bachelor’s degree preferred (or equivalent in work experience)
  • 5 years of consumer lending experience in a sales or processing role.

Knowledge/Skills/Abilities/Training/Systems:

  • Excellent communication skills with emphasis placed on telephone etiquette
  • Ability to follow through on commitments in a timely manner
  • Strong attention to details
  • Customer focused with a sense of urgency
  • Ability to prioritize multiple tasks
  • Ability to work with a variety of groups
  • Computer skills with aptitude to navigate and learn new systems
  • Demonstrated financial responsibility, character and general fitness such as to warrant a determination that individual will operate honestly, fairly and efficiently

Hours:

Monday-Friday 8:00am-5:00pm

Rotating Saturdays 8:00am-1:00pm

Note: As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)