Consumer Direct LO

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Job description

Wintrust Mortgage was founded in 1981 to help customers achieve the American dream of homeownership and has since successfully navigated the ever-changing real estate market. As a full-service, federally chartered lender with offices located across the country, we're dedicated to providing customers with a wide range of mortgage products and have the capability to lend in all 50 states. To complement the basic conventional, FHA, and VA loan programs, we are uniquely positioned to meet the needs of the continually evolving market. Wintrust Mortgage is part of Wintrust, a financial services company with more than $50 billion in assets.

Why join us?

• An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 10 years) and Employee Recommended award by the Globe & Mail (past 6 years)
• Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few
• Family-friendly work hours
• With 175+ community bank locations, we offer opportunities to grow and develop in your career
• Promote from within culture

Why join this team?

• We have a culture that encourages an entrepreneurial spirit
• We offer multiple opportunities for development and upward mobility

What You'll Do:

• Respond to all Wintrust employee and family mortgage inquiries immediately via phone, email, or text as in inside loan originator in the Glen Ellyn Consumer Direct branch
• Exercise high level of integrity, confidentially and honesty due to the sensitive nature of the customer base.
• Effectively use technology tools to manage inquiries and pipeline.
• Complete a financial needs analysis and assess individual needs of each customer with expertise.
• Well versed in all mortgage products for both purchase and refinance transactions. Ie first time homebuyer, conventional, fha, va, jumbo, portfolio etc
• Research mortgage guidelines and structure loan options for customers based on their financial and personal needs.
• Present customers with mortgage options; provide guidance to ensure the customer is able to make an informed decision.
• Effectively communicate mortgage options both verbally and in writing to all levels of employees and their families within the Wintrust Enterprise.
• Assist customers in completing a mortgage application and all necessary loan disclosures.
• Obtain required documentation from customers in a timely fashion in order to submit their loan application for processing.
• Monitor status of the loan application and follow up with customer as needed to obtain additional documentation and provide status updates.
• Effectively work with internal departments and Loan Officer Assistant/s to ensure the loan is processed, underwritten, and closed in an efficient and timely manner. Effectively manage the pipeline.
• Manage day to day transactions and relationships with Wintrust employees and their families.
• Build a referrals from employees and their families by providing an exceptional mortgage experience.
• Other duties as assigned.
• This is a salary plus commission position.

Qualifications:

• Associates or Bachelor's degree preferred.
• Mortgage Origination Experience
• Excellent interpersonal, organizational, communication (both written and oral), and telephone etiquette skills.
• Exceptional aptitude for math and financial analysis.
• Thrive in a fast-paced environment while maintaining a positive attitude.
• Must be a self-starter, motivated and energetic.
• Must have strong time management skills with the ability to determine priorities and meet deadlines.
• Demonstrate integrity, ethics, confidentiality, accountability, responsibility, initiative and teamwork.
• Ability to work independently and take direction.
• Must possess a working knowledge of computers to include MS Word, Excel and Internet.
• Must meet all NMLS requirements.

Benefits:

Medical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance

From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To be Chicago's Bank and Wisconsin's Bank , we need to reflect that diversity both in all the communities we serve, the people we employ, the organizations we work with, and our banking and lending practices. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, sex, sexual orientation, gender identity and expressions, genetic information, marital status, age, disability, or status as a covered veteran or any other characteristic protected by law.

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