Job Information

TIAA Retail Direct Loan Officer in CHARLOTTE, North Carolina

As a part of TIAA’s Financial Solutions business, TIAA Bank, a division of TIAA, FSB, provides full-service, nationwide banking and lending services to consumer, commercial and institutional clients through a variety of channels, including online, its Florida-based financial centers and at other business offices throughout the country.

Primary Characteristics

The Retail Direct Loan Officer position is responsible for converting prospective clients into new loan applications by presenting customers with appropriate mortgage products and pricing based on their borrowing needs. They will sell multiple brands of lending products through the use of inbound and outbound sales calls. Once the customer has applied for a company product, the Retail Direct Loan Officer will manage the client experience from origination to closing, ensuring a positive customer service experience.

Essential Functions

  • Sell multiple brands of company loan products to prospects, effectively converting them to borrowers

  • Determine and communicate loan level pricing with customers and management in order to maximize profitability

  • Analyze underwriting guidelines to determine the documentation and lock/pricing requirements on loan level basis

  • Learn various types of borrowing programs and processes and stay current with changes and new products

  • Provide excellent customer service and effectively recover service when needed

  • Follow-up with customers in a timely and efficient manner

  • Manage active pipeline from origination to closing

  • Work effectively with Fulfillment departments to ensure loan requirements are satisfied and deadlines met

  • Efficiently work with various types of systems and software programs simultaneously to maximize time spent selling products

  • Establish work habits conducive to market variations

  • Work with management to develop sales plan and use their instruction to ensure business success

  • Adhere to all federal and state compliance guidelines relative to the position

  • Continually develop sales skills through attending systems and product training and other educational opportunities necessary for the position

Knowledge, Skills, and Abilities Requirements

  • Must be a self-starter and self-motivated to meet job expectations and goals

  • Must be able to thrive in a fast paced, multi-tasking environment

  • Must be able to make decisive and accurate decisions

  • Ability to manage multiple deadlines

  • Possess superior customer service skills

  • Must be organized and responsible and able to use good judgment

  • Ability to learn multiple technical application systems and programs

  • Ability to use MS-Word, MS-Excel, MS-Windows, MS-Outlook and the internet effectively

Training and Experience

  • Bachelor’s degree strongly preferred

  • Previous sales experience, preferably in the mortgage or financial services industry

  • Previous employment that requires interaction with clients via phone or direct contact

  • Must be S.A.F.E. Act registered through NMLS OR Have at least one (1) year of mortgage or financial services experience AND become S.A.F.E. Act registered through NMLS upon hire

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We are an Equal Opportunity/Affirmative Action Employer. We will consider all qualified applicants for employment regardless of age, race, color, national origin, sex, religion, veteran status, disability, sexual orientation, gender identity, or any other legally protected status.

Additional Information

  • Requisition ID: 1720356

Field: Mortgage & Commercial Lending

Company: TIAA Bank

Post Date: 2 days ago