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Mortgage Consultant

Mortgage Consultant

Job ID 
Job Locations 
US-CA-San Diego
Job Type 
Regular Full-Time
Single Family Mortgage

More information about this job


BofI Federal Bank [NASDAQ: BOFI] with approximately $8 billion in assets, is one of the fastest growing banks in the nation and is rated in the top 5 of online banks in the country!  


Our Mortgage Consultants receive inbound leads from customers and prospective customers in all 50 states. They build rapport, analyze financial situations and determine the appropriate loan product to meet homeownership goals. Our Mortgage Consultants benefit from an industry leading marketing program, state of the art technology and affiliate partnership referral sources to generate high quality business. We offer highly competitive conventional, government, jumbo and portfolio home loans and operate within a performance driven culture and compensation plan.



  • Consult with clients about current and future needs to help them achieve their financial/home ownership goals
  • Identify and construct lending solutions based on unique homeownership goals
  • Analyze applicant financial status, credit, and property evaluations to determine preliminary home loan eligibility
  • Actively manage leads and meet minimum conversion (lead to fund) requirements
  • Educate clients on various types of loans and credit options
  • Complete loan applications, interest rate locks and move files into processing and underwriting
  • Provide exceptional service through the loan process from application to closing
  • Work with clients to keep loan processing moving forward while maintaining exceptional service levels through close
  • Establish trust and build rapport with clients
  • Stay informed of available loan types and other financial services and products in order to better meet customer needs
  • Follow all Bank policies, procedures and guidelines

Key Skill Sets or Knowledge Requirements:

  • Mortgage Origination experience
  • Knowledge of nationwide mortgage guidelines
  • Sales-oriented
  • Customer focused
  • Exceptional written and verbal communication skills


Additional Characteristics of Successful Mortgage Consultants:

  • Fast paced, highly competitive
  • Flexible and adaptable, learn and react quickly at a faster than average pace
  • Strong sense of urgency and initiative to get things done
  • Ambitious with a desire for career advancement, growth and achievement
  • Forward thinking
  • Coachable
  • Self-starter and self-motivated
  • Performance driven, enjoy being rewarded for high performance

Compensation and Benefits:

  • Base wages plus a highly competitive incentive compensation plan with monthly and quarterly commission payouts
  • Excellent benefit package that includes a 401(k) match, medical/dental/vision and more
  • Company paid licensing

Desired Career Experience & Education Requirements:

  • 2 years of retail lending experience or a finance related position
  • High School Graduate


  • Bachelor’s Degree 


Job Functions & Work Environment:


While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.


The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.


Equal Employment Opportunity:


BofI Federal Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex , gender identity and expression, sexual orientation, national origin, ancestry, citizenship status, uniform service member and veteran status, marital status, pregnancy, age, protected medical condition, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. Candidates must possess authorization to work in the United States.