Summary

This position is responsible for originating new loans. Complete, up-front pre-qualification of clients based on the four components of a loan (assets, income, credit, property). Utilizing the Preliminary Assessment Form (PAF) determine the appropriate loan program, take a complete loan application, produce an accurate loan estimate and properly set up a loan file. Communicate with borrower(s) to obtain the required documentation to close the transaction. Establish ongoing communication with borrower(s), real estate agents and 3rd party providers. Lock interest rate upon client request with confirmation from lender. Manage a loan pipeline to meet sales goals and deliver 5-star customer service. This position is full time and is permitted to operate remotely.

Job Duties

• Generate at least 1 new lead per day and originate at least 2 new loans per week.
• Determine appropriate mortgage loan financing product for each client.
• Develop and maintain successful relationships with clients, referral and industry-based partners.
• Collect and analyze customer financial information.
• Maintain thorough understanding of and compliance with RESPA, ECOA, HMDA, FNMA, FHLMC, FHA, VA, etc.
• Remain current on existing and developing trends for the community and the marketplace.
• Demonstrate ease of use and adaptability with existing and developing technology.
• Maintain knowledge of company product, policy, procedures and underwriting requirements.
• This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

Additional Responsibilities

• This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

Minimum Qualifications

• High School Diploma or equivalent
• 3+ years mortgage origination experience
• Closed 100+ loans as an individual producer
• Demonstrated ability to build and maintain customer relationships.
• Proficiency & adaptability with technology & computer navigation.
• Must self-generate leads & be coachable.
• Strong verbal & written communication skills (in English) to interact with clients, support staff, and partners.
• Established originators will maintain minimum production standards of 4 closed loans/$750,000 in volume per month & new originators will achieve minimum production standards (4 closed loans/$750,000 in volume per month) within 12 months of employment, achieving production milestones along the way.
• NMLS SAFE Act Compliance holding a minimum of one state license and a desire to grow in regionally strategic states.
• Encompass & Optimal Blue proficiency (will train).

Physical Requirements

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate.