SUMMARY:

Originate various types of mortgage loans. Generate bank fee income by originating secondary market loans, and build or replace portfolio as directed by senior management.

CUSTOMER SERVICE SKILLS:

Willingness to provide a level of service which will clearly differentiate us from our competitors.

INTERPERSONAL SKILLS:

Professional demeanor in appearance, interpersonal relations, work ethic and attitude.

Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions oriented manner.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Essential Duties and Responsibilities include the following. Other duties may be assigned.

Be the content expert on all the programs and products offered by WesBanco, as well as the overall mortgage industry.

Listen to the needs of customers and align them with the appropriate product and program to meet their mortgage needs.

Pre-Qualify purchase customers as requested.

Complete loan applications, inputting complete and accurate information in the Origination System currently utilized by WesBanco Bank.

Obtain ALL necessary documentation specific to the product, program and specific needs of the client.

Review customer provided documentation to insure it meets all industry standards, review customer credit and analyze overall information to insure that any unanswered questions are documented and provided.

Disclose and provide the client with all required documentation within 3 days of application.

Deliver a complete application electronically to my processing partner within 3 days of application, followed by the customer provided documentation within 5 days of application.

Review realistic expectations and timeline with the customer during the initial application process.

Conduct weekly pipeline calls with your processor and/or team to insure all information is shared, and all needs are identified with "what is needed", "who is responsible to satisfy need" and "when will it be completed."

Promote WesBanco mortgage within the real estate community by attending realtor functions, community events and educational opportunities within the industry.

Work assigned branches to insure you are known as their mortgage expert, conduct monthly quick start meetings and do a minimum of 4 "Mortgage Days" in the branch to promote your services to the branch customers.

Communicate effective updates with customers throughout the mortgage process to insure they have no surprises.

Maintain and update CORE Sales stage information to insure the referral source can see the progress of the referral.

Promote and cross-sell all bank products and services.

Adhere to the terms of your Service Level Agreement (SLA)

Must meet the minimum required milestones as assigned.

Must provide exceptional, professional service to mortgage customers, underwriters, processors and closers.

OTHER REQUIREMENTS:

Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the bank’s policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. You will also be expected to complete all assigned compliance training in a timely manner.

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.

Ability to write reports, business correspondence, and procedure manuals.

Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.

Ability to deal with problems involving several concrete variables in standardized situations.

Able to multi-task under sometimes stressful conditions.

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.

Ability to apply concepts of basic algebra and geometry.