Hybrid Inside Sales – Mortgages

at Equity Resources, Inc

• Job title: Inside Sales – Mortgages
• Job type: Full Time
• Experience level: Junior, Mid level
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Columbus, United States

About the role

• Inside Sales Specialist reaching out to previous customers and prequalified borrowers for mortgage applications. Engaging with clients through calls, emails, and texts to facilitate the lending process.

Responsibilities

• The primary objective of the Inside Sales Specialist is to contact previous customers and prequalified borrowers via outreach sales calls, emails, text messages, etc. to keep in touch, solicit referrals, solicit new applications, and ask how servicing is being handled.
• Follow-up and maintain contact with all borrowers who have applied for a prequalification until they find their home and apply for the mortgage financing.
• Contact previous customers to solicit future refinance or purchase business via purposeful contact attempts that provide value to the customer.
• Take applications as needed or direct the borrower to apply on our website.
• Communicate with borrowers throughout the application to closing phase, providing updates on loan progress and answering questions about the process.
• Follow-up with borrowers who have not completed the application process to answer their questions and encourage them to apply by providing information that implies necessary action such as rates are down, home prices have settled, special offer, etc.
• Utilize the computer through Encompass for communication and access of daily rates, credit reports, automated underwriting responses, and transmitting the loan to processing in addition, utilize ERMA (CRM system), Microsoft Co-Pilot, and other technology as appropriate to further position and company goals.
• Analyze borrower’s financial status, credit, and property evaluations to determine feasibility of granting the mortgage loan.
• Schedule meetings between the borrower and Mortgage Specialist to review options.
• Continuously track results from all contact and contact attempts with previous customers via identified systems and update management as requested regarding progress.
• Handle customer complaints and take appropriate action to resolve them.
• Maintain high levels of customer service while managing each applicant's and support staff's expectations.
• Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines.
• Maintain compliance with all Federal and State regulations, uphold our code of ethics, and complete annual state-specific Continuing Education requirements to maintain licensure in each applicable state.
• Support the company’s strong relationship of “raving fan service” culture through on-going customer contact, quality customer service, and superior product knowledge.

Requirements

• Bachelor’s degree in Business, Finance, Administration, or related field (or equivalent experience).
• Possession of appropriate state-specific mortgage banking license(s) or ability to pass National Mortgage Licensing Exam and obtain appropriate state-specific mortgage banking licenses within an acceptable timeframe (60 days).
• Minimum of 2 years prior experience in a role entailing customer service and/or sales responsibilities is required, with a preference for prior call experience, especially in a call center.
• Credit history must be in Good Standing, with no recent bankruptcy filings, no accounts in collections, and payments in current status which can be verified by a current Credit Report.
• Ability to learn, retain, and apply knowledge of mortgage lending guidelines, including conventional, government, and federal regulations, as well as residential processing, underwriting, and closing procedures.
• Proficient in Microsoft Word, Excel, Outlook and Encompass experience is preferred.
• Strong verbal and interpersonal skills with a pleasant, professional and energetic phone presence.
• Must be comfortable with and enjoy talking all day.
• A persuasive communicator with a sales-driven mindset.
• Team-oriented with strong customer service and organizational skills.
• Strong reading comprehension and written communication skills.
• Independent problem-solver with sound judgment.
• Able to follow detailed written and verbal instructions.
• Energetic, competitive, and self-motivated.

Benefits

• Choose from flexible hours: Generally, Monday through Friday 9:00 a.m. to 6:00 p.m. to begin.
• Assistance and a comprehensive 1–2-month training program will be provided to help you gain hands-on experience and pass the national Mortgage Licensing exam.
• In-person training with the potential to transition to hybrid upon the successful completion of training.
• Hourly base wage plus uncapped commission – the more you close, the more you earn!
• Spend your time closing deals, not chasing prospects – we’ll provide you with warm leads to start, while also being compensated for the leads you bring in on your own!
• 401(k) option with a generous company match —helping you grow your retirement savings faster.
• Full benefits package (including pet insurance!) first of the month after your first 30 days.
• Earn extra cash through our referral programs, $500 for each borrower you refer, and up to $5,000 for referring an experienced Loan Officer.