Mortgage Sales Assistant

This is a fully remote position, open to applicants in California.

📋 Description

• Develop and present new business proposals or presentations for clients and potential customers.

• Prepare documentation for client meetings and account openings.

• Explore workflow alternatives to enhance efficiency and service quality.

• Provide sales and service support to clients.

• Assess client needs and ensure prompt and precise transaction processing.

• Offer after-sales support and manage exceptions in accordance with bank policies.

• Take ownership of and resolve client inquiries, concerns, and complaints.

• Keep updated on private banking services, offerings, and lending procedures.

• Collaborate with both internal and external stakeholders.

• Analyze data and information to generate insights and recommendations.

• Establish, maintain, and enhance lending products and related account management.

• Verify and process loan drawdowns in line with credit authorization terms and necessary security documentation.

• Review and act upon overdrafts and monitoring reports.

• Set up and execute margin and covenant tests.

• Maintain security collateral, including preparation and registration duties.

• Monitor security renewals, registrations, and expiration dates.

• Ensure the integrity of lending documentation.

• Collect applicable fees associated with credit terms and account agreements.

• Assist bankers and specialists with credit, non-credit, and related tasks.

• Identify and inform relationship managers about credit and risk management issues.

• Spot opportunities to enhance profitability, increase capacity, and lower expenses.

• Mitigate risks and formulate credit recommendations or decisions in line with credit principles and bank policies.

• Escalate any irregularities and discrepancies to management.

• Engage in audits and compliance reviews.

• Comply with the code of conduct and ethical guidelines.

• Adhere to security, safeguarding, fraud prevention, anti-money laundering, and due diligence procedures.

• Safeguard bank assets by following banking, investment, lending, legal, ethical, and risk requirements.

• Complete complex and varied tasks, including escalations from colleagues.

• Analyze issues to determine appropriate next steps.

• Implement the Risk Management Framework and make risk-informed decisions that align with business strategy and regulations.

⛳️ Requirements

• Typically requires 3–5 years of relevant experience.

• A post-secondary degree in a related field of study or an equivalent combination of education and experience.

• Familiarity with personal and commercial credit and non-credit products and services.

• Knowledge of lending processes and supporting policies.

• Credit qualifications and related credit knowledge and skills in accordance with credit portfolio requirements and qualification standards, if applicable.

• Specialized knowledge in the relevant field.

• Strong verbal and written communication abilities.

• Excellent organizational skills.

• Effective collaboration and teamwork skills.

• Strong analytical and problem-solving capabilities.

• Federal registration with the Nationwide Mortgage Licensing System and Registry is required.

• A criminal background review and credit history evaluation are mandatory.

• Restrictions on acting as a real estate agent apply.

🏝️ Benefits

• Commission structure.

• Performance-based incentives.

• Discretionary bonuses.

• Health insurance coverage.

• Tuition reimbursement programs.

• Accident and life insurance options.

• Retirement savings plans.

• Comprehensive training and coaching opportunities.

• Managerial support.

• Opportunities for network-building.

• Reasonable accommodations for individuals with disabilities.