Loan Officer Team Lead

Loan Mortgage Professionals! We are hiring!

Mortgage Banker currently lending in 40 states nationwide.

Must have mortgage experience:

Seeking Licensed Mortgage Loan Professionals who are responsible for developing new business, structuring, and closing loans, as well as maintaining and servicing an existing portfolio.

The Loan Officer manages the customer through the entire loan process by setting expectations, taking applications, and managing closings. This involves collecting and analyzing information and documentation regarding the customer's employment, income, assets, credit history, and debts to determine the appropriate mortgage loan financing options. This position also represents the company in the local community through active involvement in community affairs and by participating in marketing efforts of products and services.

Must hold an active Mortgage Originator License through NMLS

Essential Duties:

* Actively work with already established referral accounts and originate residential mortgage loans with mortgage products to meet established loan quality and production goals.

* Responds in a timely and professional manner to customer inquiries and referrals that are generated through established contacts or our business channels.

* Conducts interviews with prospective borrowers in order to analyze financial and credit data and determines customer financing objectives. Advises customers of advantages and disadvantages of loan products and pricing and gathers any additional information required.

* Manages overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential homeowners.

* Obtains all necessary supporting documents and collects the appropriate fees.

* Negotiates terms, structures loan financing based on risk considerations, and presents credits for approval to appropriate levels of authority.

* Maintains a thorough knowledge of lending programs, policies, procedures and regulatory requirements.

* Explains the available loan program and rate options to the customer and advises the customer on options for locking in a rate and loan program. When the customer wants to lock in a rate and program, the LMP documents the customer's request to lock and confirms the locked rate/program with the Secondary Marketing Department.

* Provides monthly projections for production on a timely basis.

* Will partner with Mortgage Assistants' and other team members to provide guidance around all aspects of the sales process.

* Participates in internal meetings and required training.

* Maintains a professional image and demonstrates an understanding of and follows all Policies and Procedures.

Qualifications:

• High School Diploma or equivalent required
• Minimum of 3 years of mortgage experience with a proven track history
• Active Mortgage Originator license through NMLS required in all states in which loans are originated OR will need to obtain license within first 90 days.
• Excellent written and verbal communication skills
• Provides strong customer service to internal and external customers
• Ability to develop positive relationships
• Exceptional organization and time management skills. Ability to manage multiple tasks and deadlines in a fast-paced environment
• Independent, self-starting, team player with a positive attitude
• Ability to read, analyze, and interpret financial data.
• Working knowledge of mortgage industry, products, lending practices, and regulatory (federal and state) guidelines.
• Working knowledge of mortgage origination process, FNMA, FHA, VA, USDA Manufactured Home guidelines.

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