Overview This position sells and services residential first lien mortgage loans in markets served by the Bank via the Direct Telephone Banking Unit. Supports conventional, low-to-moderate construction, permanent, and Federal Housing Administration mortgage loan products. Pre-qualifies loan applicants by evaluating their financial position and recommending appropriate products. Streamlines processing by submitting loan packages that are accurate, complete, and compliant with applicable regulations. Monitors the progression of loans through the loan process, providing updates and answering inquiries to uphold service standards. Responsibilities Sales - Accomplishes mortgage loan production goals by initiating sales calls, identifying cross-sell opportunities, and other sales techniques. Negotiates rate and terms of loan with borrower in an effort to be competitive and profitable to the Bank. Loan Processing - Interviews applicants to assess their needs, evaluate their financial position, and identify appropriate product offerings. Utilizes information to facilitate loan processing, prequalifying applicants, obtaining all required documents, and submitting a completed application. Business Support - Coordinates the progression of loans throughout the loan process with associates, appraisers, and attorneys. Ensures adherence to regulatory and corporate guidelines, and that quality and service standards are upheld. Provides updates and responds to client inquiries. May serve as the only mortgage delivery group in the area. Loan Proficiency - Maintains a current knowledge of trends and developments in all the Bank's servicing areas, as well as changing rules and regulations pertaining to both private and government-insured mortgages in serviced markets. Qualifications Bachelor's Degree and 0 years of experience in Mortgage or Banking sales OR High School Diploma or GED and 4 years of experience in Mortgage or Banking sales License or Certification Type: Must complete federal registration and annual renewal as required by the SAFE Act. Required First Citizens benefits programs are designed to meet our associates where they are in life. Full-time associates (20+ hours) are offered a comprehensive benefits program, with customized offerings, including those designed to support families, however defined. More information regarding our benefits offerings can be found here: https://jobs.firstcitizens.com/benefits.