Employment Type:  Regular

Full/Part Time:  Full-time

Division:  Division Mortgage

Job Description:  GENERAL FUNCTION: Performs a wide range of duties relating to the origination of residential mortgage loans via telephone, face-to-face interview(s), email and/or facsimile with the primary responsibility to marketing, promoting and selling Bank loan products. DUTIES & RESPONSIBILITIES: * Identify and work with customers to assist them in identifying and securing a mortgage loan or other Bank product that is appropriate for the customer's individual financial circumstances. * Source applications through consumer loans declined from the Fifth Third Retail Financial Centers, Realtors, Professional/ Personal relationships and other Fifth Third MLO's. * Develop and maintain referral contacts to source customers for mortgage loan and other Bank loan products (realtors, professional and personal contacts, Fifth Third MLO's). * Gather, compile, and analyze customer financial information (including credit history information, income, assets, investments, debt, prior bankruptcies, judgments, liens and reserves) by interviewing the customer and probing the customer regarding financial needs. * Educate the customer regarding the benefits and risks associated with each loan product, explain various options and variables related to each product, and ultimately make a recommendation regarding the best product(s) for the customer. * Review customer application for Consumer Equity loans and update the ACAPS system on a daily basis including the acceptance/denial of the customer, notes regarding customer conversations, CLSG MLO name and phone number. * Maintain knowledge of Fifth Third Mortgage Company's policies and procedures. * Maintain extensive product knowledge of both Fifth Third Bank and out-broker products, loan structuring to meet customer needs, processing procedures, underwriting and general departmental guidelines. Maintain awareness of various market conditions that may affect the recommendations and advice given to customers. * Review HUD 1 with borrower prior to closing and explain final terms of loan; including closing costs, cash to close, funds back to borrower, when and where the closing will take place. * Engage in sales activities to both sell mortgage and other loan products to customers and cross- sell other bank products. * Assumes overall responsibility for the residential mortgage loan process from application to closing. * Work with the established out broker flow to process, underwrite and close loan via the out broker agreement. * Follow defined protocol for escalation exceptions. * Take applicant applications by completing Fannie Mae form 1003 on the desktop/laptop. * Utilize the computer for communication and access of daily rates, applicant credit reports, Loan Prospector responses, UNIFI, and managing the out broker relationships. * Collect appropriate documentation from each applicant and deliver loan package in the time frames set by management. * Manage pipeline for all originated loans through closing and complete required management reports. * Communicate with branches and/or applicants of providing timely updates and progress reports. * Maintain high levels of customer service while managing each applicant's and support staff's expectations. * Attend and participate in all Mortgage meetings as required by management. SUPERVISORY RESPONSIBILITIES: None

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KNOWLEDGE & SKILLS REQUIRED: * High school diploma or equivalent mandatory. * Knowledge of conventional and/or government lending guidelines. * Knowledge of residential mortgage processing, underwriting, and closing procedures. * Knowledge of federal lending regulations governing real estate lending. * Demonstrated organizational skills. * Strong written and verbal communications skills. * Demonstrated teamwork and customer service skills. * Proven computer skills. * Basic sales technique skills. * Strong desire to excel in a competitive environment.

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