Constructive Loans: Investor Lending Consultant

Founded in early 2008, Fay Servicing committed to providing innovative servicing solutions for both performing and non-performing mortgage loans.

As a specialty mortgage servicer and originator that sees the customer behind every loan, we understand that our customers aren’t loan numbers — they’re homeowners.Before founding our company, we conducted an exhaustive analysis of the mortgage servicing industry and gained valuable insight into the problems facing mortgage servicers and their customers.

With that insight we set out to build a different kind of servicing company from the ground up.Come join us on our journey to serve our customers and be the leader in our industry!

We are currently looking for an Investor Lending Consultant to join our Constructive team.As the Investor Lending Consultant (ILC) you will proactively solicits new mortgage originators to investors of non-owner occupied properties to meet established loan quality and production goals.

In this on-going sales role, you will continually work with referral sources provided by affiliate Fay Servicing or self-generated loan opportunities to assist in short term financing generally Fix and Flip loan, Refinance and/or Purchase Loan Application Process.The ILC will also responds to customer inquiries and referrals that are generated from both lead procurement as well as self –sourced referring partners.

The ILC conducts interviews with prospective Guarantor(s) in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.

The ILC ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.What you will do for Constructive:The ILC sets proper expectations with the Guarantor(s ) during the loan application process and responds timely to inquiresEffectively utilize lead management system to properly track and effective manage leads provided on a daily basisEvaluates loan applications and documentations for credit worthiness, liquid reserves and net worthMaintains a high level of customer service by clearly communicating terms of loan options, follow up, and always available to answer questionsMaintains and follows compliance policy for Clean Desk Policy and borrower sensitive informationContinues to always learn about new loan programs and product/guideline updatesKnowledge of commercial loan processing, underwriting, and closing proceduresProactively manage loan pipelines and attend internal sales meetingsAttends conferences and workshops to network and expand customer basePerform all job functions in accordance with Constructive Loan’s LLC policies and procedures What you will bring to Constructive:Develop Business Referral Network through prospecting and networking activitiesReview / Analyze credit, financial data and business structuresDetermine Guarantor(s) financing objectives and goals.Present appropriate loan products and programs and explain guidelines.Ability to utilize pricing sheets, product guidelines and restrictions and convey accurate information to Guarantor(s)Collect supporting loan documentation as required and provide complete package to processingKnowledge of business structures like LLC, LP, SP and others2+ years of residential loan origination experience with an active NMLS license (multiple states preferred)Proven ability to adapt to a changing environment while maintaining a positive mental attitudeStrong sales skills with proven track recordProficient computer and keyboard aptitude; familiarity with basic Office applicationsHands-On knowledge of the loan originations processSome college required.

Four year college or university preferredWe don’t just accept diversity – we support it, celebrate it, and thrive on it for the benefit of our employees, our customers and our company.

We are proud to be an equal opportunity workplace where we strive to think outside, and not simply check, the box.