World Savings Work Values

Daily Duties at World Savings :

Originate consumer real estate loans both purchases and refinance via branch operations. Home Mortgage Consultants are bank employees and are W-2. They develop relationships with real estate agents who might then recommend these mortgage loan consultants to their clients when they are ready to apply for a loan. Their annual earnings are based on a salary/draw and commission from the number and type of loans they broker each year. Mortgage loan consultants perform the same duties as a bank loan officer. But are not issued bank officer numbers These include collecting personal information in a loan application, using it to assess a borrower's credit and financial history and explaining the loan process to the applicants. They often use underwriting software to determine how much an applicant can afford to borrow and be able to pay back. Use your interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals. Participate in training for marketing, sales, and scenario techniques to effectively sell, package, and close consumer mortgages. Take thorough and complete loan applications; analyze and pre-qualify applicant information to determine viability of the client's desired loan program. Pull credit, analyze credit, and compare for accuracy with the mortgage borrower's statements. Correct inaccuracies and determine the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product. Provide guidance and information relevant to the risks and benefits of each program the applicant is qualified for; effectively explain and communicate the terms of each product and ensure all documents necessary are signed by the borrower. Gather all initial documentation required based upon the applicant's selected loan program and the 1003 including all disclosure requirements. Provide the loan package to the loan processor for review, stacking, and pre-submission audit. Work with the loan processor to provide any letters of explanation, or additional documentation as necessary and required by underwriting to clear all conditions and close each loan. Maintain a working file for the office as required for compliance. A net loan officer will likely either work from home or in the field.)

What they like about World Savings :

Working in an organization that is technologically advanced, creative, and innovative is critical in your assessment of hiring companies. Less important to you are stability of the organization, the length of time an organization has been in business, and the business' plans for the future. You prefer a fast-moving company that will take risks to achieve its goals and objectives. The length of time the company has been in business is irrelevant. Maintaining status quo is unnecessary. You thrive on change, uncertainty and the upside of potential business risks, especially those associated with innovation. Stability for the long haul is not nearly as important as is working in an atmosphere that is charged with a sense of urgency and constant change.

Tags

Insurance, Insurance Adjustor, Insurance Examiner, Wholesale Account Executive, Sales, Sales Management, Business Development, Executive VP, Regional Management, Public Transporation, Bus Driver, Air Brake, Passenger Endorsement, Class B, Personal Banker - Wells Fargo, Home Loan Consultant, Reverse Mortgage Consultant, Navy Lieutenant, Management

Skills

P&L responsibilities, Presentation, Ecommerce Strategy and digital marketing channels optimization - SEO, SEM, email, affiliates - for high-profile accounts., Technology Solutions, Sales Support, Software Implementation, Requirements Analysis & Specification, Leadership

These are some of the questions we asked our climbers about their experiences with World Savings :