• Assists high producing loan officers in the effective and timely completion of loan applications • Actively manages the document collection process from origination to closing • Manages the Mortgage Loan Officers pipeline, including the tracking of all deliverables and updating borrowers on status of the loan • Works with customers to set expectations including but not limited to rate inquiries, third party providers, loan status and other information deemed necessary • Confirms appointments and reviews with customer all documents needed at time of application to ensure efficiency • Facilitates application process by interfacing with customers in taking full or completing partial applications • Discusses products and pricing at the request of, or in the absence of, the loan officer • Reviews files in detail to foreshadow any potential issues related to income and assets and remedies potential issues prior to file being sent to underwriting • Assists in structuring deals to meet underwriting guidelines • Advocates for client file and manages the file through the underwriting escalation process when necessary • Understands TD underwriting guidelines and has the ability to clearly communicate and explain to borrowers • Writes credit memos for loans explaining unique circumstances and clearly summarizes the lending request • Serves as a liaison between Loan Officer and Mortgage Operations, Sales Support • Aids in the development of a customer database in support of the pursuit of new marketing opportunities • Follows up with sales leads on behalf of the MLO utilizing strong verbal or written communication skills • Proactively manages the lead pipeline in concert with the MLO • Establishes strong relationships with the MLO's referral partners independent of the MLO • Assists in other areas as needed

• Provide exceptional customer service to clients • Engage in sales activities to exceed targets • Learn mortgage lending from experienced professionals • Participate in the IGNITE training program

• Sells and originates residential mortgage loans • Takes residential mortgage loan applications • Guides Customers through the mortgage application process • Explains information required and other aspects of the loan process to Customers • Ensures applications are completed accurately • Manages Customers expectations regarding processing times and closing dates • Develops plan to achieve sales goals with assistance from sales management • Enters information into mortgage loan system • Communicates loan decisions directly to Customers

Role Description At Regions, the Home Loan Direct - Mortgage Loan Officer directs origination of residential mortgage loans from a borrower through customer calls and business partner referrals. - Completes mortgage applications for submission to the loan processing and underwriting departments - Evaluates loan requests, analyzes financial data, and determines qualification of collateral and customer credit history - Maintains contact with loan customer, communicating progress of loan and obtaining any required documentation - Structures loan to comply with acceptable lending practices and Federal regulations - Proactive outreach through outbound calling and email to marketing prospects - Answers customer calls and business partner referrals to discuss various loan products and qualification information - Makes sales calls on potential or existing customers as established in Regions marketing plan - Cross-sells other bank products and services - Reads surveys and appraisals, and takes necessary steps to correct encroachments and violations - May participate in networking through professional, business and community organizations and activities to promote and market loan products This position requires the tracking of time and is eligible for overtime under for hours worked in excess of 40 per week under the Fair Labor Standards Act. The compensation for this position includes a base pay of $15/hour plus commissions, with an anticipated earnings potential of $31,200 – $70,000+. This position requires registration with the Nationwide Mortgage Licensing System and Registry (NMLS). Please refer to this link for more information. Qualifications - High School Diploma or GED - Preferences: - Bachelor’s degree - Previous Sales Experience - Previous Customer Service Experience - Desire for a Mortgage Banking Career Requirements - Ability to learn and consult on various mortgage products - Ability to learn mortgage systems and technology - Demonstrate Consultative Sales ability - Good organizational skills - Must be able to build and maintain internal and external relationships to deliver high levels of service - Must be able to multi-task competing priorities and meet tight deadlines - Proficient in Microsoft Office products - Strong desire to consistently provide world class Customer Service - Strong written and verbal communication skills - Preferred: - Candidate must sit within Regions 16 state footprint - Mortgage Loan Officers with a current minimum of 1M per month average proven production volume - Current mortgage origination experience Benefits - Paid Vacation/Sick Time - 401K with Company Match - Medical, Dental and Vision Benefits - Disability Benefits - Health Savings Account - Flexible Spending Account - Life Insurance - Parental Leave - Employee Assistance Program - Associate Volunteer Program Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions’ benefits, please click or copy the link below to your browser: Regions Benefits . Location Details Regions Center, Birmingham, Alabama Equal Opportunity Employer/including Disabled/Veterans Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.