Mortgage Loan Officer
Loan Officer Job 10 miles from Biloxi
The Licensed Loan Officer will oversee the origination, file management, communication. This position will be in direct communication with Clients, Realtors, Builders, and Business Partners. This position requires time management, precise verbal and written communication and have working knowledge of all major investors and their guidelines.
Essential Duties of the Position:
• Pre-qualifies clients to include discussing, rates, terms and/or financial options and attends all functions with Loan Officer when required.
• Complete LPII checklist on all files and adhere to company time frames.
• Call and obtain conditions from borrowers and Realtors.
• Meets with clients to sign Loan Application and Disclosures.
• With new contracts, facilitate the introduction to Realtors via e-mail
• All files turned into processing within 24 hours of meeting with the borrower.
• Understands and research's all investor guidelines and is up to date in any and all program changes that effect the processing or originating of loans in pipeline.
• Submits complete files to processing based on Investor and/or AUS requirements to get ready for submission to Mother Ship.
• Clears any conditions that require communication to the clients.
• Communicates with your team all information pertaining to client and/or property to meet file expectations.
• Responsible for once a week status calls to all parties involved in transaction (Clients, Realtors, Builder, etc.).
• Tracks and manages new leads and follows up on referral business.
• Sends out correspondence - Thank you cards, Closing Cost Calculators, etc.
• Coordinate Closing details with Client - Final Payment, rate, Cash to Close, etc.
• Be able to quote interest rates and lock loans.
• Solve escrow issues
• Consistently exceed borrower expectations and Realtor/Builder expectations.
• Set up file using the loan officer checklist and turn into processing.
• Review all closing statements and compare to signed GFE before signings and correct discrepancies.
• Assist LPI with putting scenarios together for prospective clients (researching client scenarios with underwriting and investor guidelines).
• Face to face meetings with clients
• Re disclose all new loans when there is a change of circumstance.
• Attend loan closings
• Continue to assume responsibilities and help the team grow.
• Obtain 3 current client referrals that go to closing each month.
Job Requirements:
• Must be able to work 40 hours per week and overtime as required.
• Must be proficient in Word, Excel and Outlook applications.
• Proficient in DU/DO, LP, & major Origination systems.
• Must have excellent verbal and written communication skills.
• Must have a positive attitude.
• Must be dependable, self-motivated and require minimal supervision.
• Proficient with major correspondent and wholesale channels and their guidelines, including their websites and pricing engines.
• Minimum five (3) years of mortgage processing, underwriting, originating or combination of all aspects.
• Must be registered and licensed through NMLS.
Guaranteed Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.
Community Home Loan Originator (NOLA)
Loan Officer Job 66 miles from Biloxi
We are seeking a Community Home Loan Originator for the NOLA Home Loan Origination Department.
Credit Human has committed to a vision of serving communities by alleviating financial stress and a mission of helping people build, create, and maintain financial slack. Buying and maintaining a home is a source of slack and stability for families. The Community Home Loan Originator serves an integral role in our mission and the tangible impact to our members.
The primary responsibility of the Community Home Loan Originator is to act as the single point of contact for the member or potential borrowers through the home loan process establishing an exceptional member experience. They will proactively solicit new residential home loans that meet established loan quality and production goals while helping members or potential borrowers find the loan that best fits their financial needs. This will be achieved through developing and expanding relationships with builders, contractors, financial planners and their personal network. They will also work with large community groups, non-profits and our Financial Health Centers within the communities we serve.
If you have sales and lending experience, you should apply right away!
Highlights:
Establish relationships within the industry and maintain a pipeline of contacts that will serve as future sources of business by promoting the Credit Union in the community and business events
Develop and maintain a quality pipeline of member relationships that serves as a recurring source of referrals for new mortgage lending opportunities
Efficiently manage your pipeline by funding loans promptly, following up on outstanding conditions, and following through with commitments and promises to members by meeting and exceeding their expectations
Provide thorough and complete communication on each transaction by effective and efficient use of our systems and technology to enhance stakeholder and member experience as well as improve quality and communication
Timely processing of loans in the system in preparation for underwriting
Experience:
Required
2 years of sales experience in residential loan lending or related field with a general knowledge of mortgages, basic mortgage calculations and definitions, mortgage underwriting, and equity loans
Preferred
Underwriting experience
Education:
Required
High School diploma or equivalent
Preferred
4-year college degree
Licenses & Certifications:
Required
Requires eligibility to be registered as a Mortgage Loan Originator (MLO) with the National Mortgage Licensing System (NMLS) and Registry
Preferred
NMLS registered
Skills & Knowledge:
Required
Professional in appearance and conduct
Time management skills and reliability - arrives on time to work and meetings, completes tasks, and assignments within the required timeframe with the ability to plan, prioritize, and self- manage
Problem-solving through independence and creativity
Sense of urgency and ownership
Customer service-oriented and member-centric
Detail-oriented and organized
Team player and works well with others, Contributes to a positive teamwork environment and high morale
Proficient in Microsoft Office Suite (Excel, Work, Access, PowerPoint, Outlook)
Active listening skills
Verbal and written communication skills
Supportive of Credit Human and management
Be an advocate, by sharing ideas and providing suggestions for process improvement or improved member experience; also recommend changes to support organizational effectiveness
Must be a highly motivated individual and possess a true entrepreneurial spirit
Preferred
Bilingual a plus
Schedule: Monday-Friday, 8:30 am-5:30 pm
Level of Work: 2C
Starting Salary: $75,987 Annually, with a bonus potential up to 7%.
Flexibility: In office, on site; not remote or hybrid.
Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.
To get to know Credit Human and learn more about our benefits, visit our careers page at ****************************
Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
Consumer Loan Officer
Loan Officer Job In Biloxi, MS
Title: Consumer Loan Officer
Department: Retail
Reports To: VP, Consumer Sales
Supervises: N/A
Job Classification: Full-time, Exempt
HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health and wealth of people in under-resourced Deep South communities. Since 1994, these efforts have benefitted more than three million people in Alabama, Arkansas, Louisiana, Mississippi and Tennessee, and influenced billions in persistent poverty communities across the nation. Learn more at ***************
Job Summary
The Consumer Loan Officer is a key professional responsible for managing consumer loan services. This role involves assisting with and assessing loan applications, evaluating members' creditworthiness, and explaining loan options and terms while ensuring all documentation complies with regulatory standards. Additionally, the Consumer Loan Officer identifies and pursues new loan opportunities throughout HOPE's footprint. By providing expert advice on loan products and proactively engaging with the community, they play a crucial role in expanding the member base and enhancing HOPE's overall success.
Responsibilities
Conducting needs-based conversations with members
Assisting members with completing loan applications
Assessing loan applications and creditworthiness
Explaining loan options and terms to members
Processing loan documentation
Ensuring compliance with lending regulations
Managing member relationships
Advising members on suitable loan products
Identifying and pursuing opportunities to expand and deepen individual member relationships
Cross-selling different HOPE products to members and collaborating with other departments to ensure a seamless onboarding experience
Desired Qualifications
Bachelor's degree or equivalent education and experience in relevant field.
2+ years of experience in consumer lending, loan processing, or a related role
Experience in sales or cross-selling financial products
Work Environment
Employee spends the majority of time in office environment, generally accessible to the public, members, and potential members
Noise level in the work environment is usually moderate
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Physical Demands
Employee is regularly required to sit, stand and walk
Employee will use hands to finger, handle or feel, reach with hands and arms, and talk or hear
Employee will irregularly lift and/or move up to 10 pounds
Employee will frequently travel to various branches within the company's market
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Loan Originator NE
Loan Officer Job 53 miles from Biloxi
Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers.
Responsibilities
Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances.
Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required.
Markets and promotes PrimeLending's financial products;
Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set.
Monitors 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 home buyers.
Collects and analyzes information regarding the customer's income, assets, investments or debts.
Advises the customer regarding the advantages and disadvantages of different loan products.
Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information.
Oversees the loan process by monitoring loan status and ensures conformity with terms.
Communicates loan status to all interested parties, and obtains loan documentation after closing.
Presents terms and conditions of loans with customers.
Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages.
Maintains a professional image and adheres to standards consistent with company policies and procedures.
May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s).
Other duties as assigned.
Qualifications
High school diploma or equivalent and appropriate licenses as required by state.
Valid driver's license and current automobile liability insurance.
A minimum of 12 months loan originator experience required.
Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc.
Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written.
Ability to quickly assess and process large amounts of data and use of appropriate AU software technology.
Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts.
Continue to expand knowledge of issues influencing the industry and the organization.
The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.
Loan Originator Huntsville, AL (LO)
Loan Officer Job 324 miles from Biloxi
Why Silverton Mortgage:• We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry• We believe in giving back and we do so through The Silverton Foundation• Our strong communication skills drive customer satisfaction• We offer extensive product lines and maintain an in-house loan process that offers a competitive edge• We have fun!
Why Silverton Mortgage:
• We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry
• We believe in giving back and we do so through The Silverton Foundation
• Our strong communication skills drive customer satisfaction
• We offer extensive product lines and maintain an in-house loan process that offers a competitive edge
• We have fun!
The Mortgage Loan Originator (MLO) reports to a direct Branch Manager and is responsible for originating residential mortgage loans that meet Silverton's guidelines. The MLO is responsible for abiding by and remaining in compliance with all Federal and State laws governing the mortgage industry, as well as any additional applicable laws in the states in which Silverton is currently licensed.
Responsibilities and Duties
o Maintain active Mortgage Loan Originator licensure and keep current information in the National Mortgage Licensing System.
o Abide by Silverton's company-specific compliance policies, including but not limited to Silverton's Anti-Money Laundering policies, Safeguard Governance, Regulation Z, Red Flag, RESPA and other policies.
o Meet production guidelines as established by the Branch Manager.
o Originating the file, quote, making application, disclosing within RESPA, Reg Z and Fair Credit and Reporting guidelines and requesting all required documentation from the client.
o Communicate the loan process to your borrowers, fully describing the borrower's responsibilities during the loan application and loan term.
o Verify information provided by your borrower, completing the application review and preparing the file for submission to underwriting, meeting all conditions.
o Submitting files into processing.
o Self-managing your time and structuring work hours when companies are open and consumers are available to ensure that you are available to your customers as well as to Silverton's support staff.
o Generating your own leads. As a general rule, Silverton does not provide leads to MLOs. Your business should be built on referrals from existing customers and contacts.
Education, Knowledge, Experience
o Meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.
o Preferred minimum of 2 years of residential mortgage origination
o Documented residential mortgage loan volume in the past 12 months
o Established relationships with local referral networks
Skills
o Ability to communicate clearly, effectively using both verbal and written communication, across a variety of audiences
o Strong computer skills, experience utilizing laptop technology and loan originator software
o Excellent time management
Technology Proficiencies
o Internet Explorer
o Microsoft Office
o LOS System
Silverton Mortgage is committed to a diverse and inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status.
Business Unit -
Silverton Mortgage
Junior Loan Officer
Loan Officer Job 322 miles from Biloxi
Are you an outgoing people-person who thrives in a fast-paced work environment? If so, we are looking for you! Our lending team is seeking a junior loan officer to help applicants navigate through the home loan process. We offer the training, the technology, and the team support to help you succeed.
If you are looking for a lucrative career using your communications and interpersonal relationship-building talents, apply today!
Mortgage Loan Originator
Loan Officer Job 10 miles from Biloxi
What The Role Is: Under general supervision, the mortgage loan officer is responsible for originating new mortgage loan business for the bank by working with Realtors, Builders, past clients, and other referral partners. How You will Make an Impact: * Solicit business from potential and existing customers (outside and inside business location).
* Interviews loan applicants and processes loan applications for both purchase and refinance transactions.
* Counsel borrowers about various loan programs and help them to select the program that best fits their financial goals and needs.
* Assist the loan processor in gathering the necessary documents from the customer to prepare for underwriting.
* Works closely with the processor and underwriter to address any underwriting issues and get closed.
* Manages a large pipeline of loans including meeting closing deadlines, submitting loans to compliance, and making sure their pipeline meets the bank's requirements.
* Provides and maintains a professional, business-like atmosphere within the organization.
* Represents the financial institution in public relations activities and community affairs.
Who You Are:
* Thorough understanding of all loan programs and closing costs.
* Have a good understanding of FHA, VA and conventional underwriting guidelines for all loan investors.
* Must be able to meet strict time deadlines and work independently under pressure.
* Must be detailed oriented and able to follow set guidelines.
* Possess ability to sell oneself to potential customers and referral partners.
* Excellent written and verbal communication skills.
* Regular and reliable attendance
* Works cooperatively with others
This position requires S.A.F.E. registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org) can provide information about the requirements for registration.
If your experience aligns with this description, please consider applying. Many skills are transferable among industries and a passion for the role and willingness to learn are important considerations. We believe that a diverse workforce creates problem-solving and creative thinking, which is why we're dedicated to adding new perspectives to the team and encourage everyone to apply.
The above statements are intended to describe the general nature and level of the work being performed by people assigned to this work. This is not an exhaustive list of all duties and responsibilities. Cadence Management reserves the right to amend and change responsibilities to meet business and organizational needs as necessary.
Cadence Bank is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, among other things, or status as a qualified individual with disability.
#LI-RF1
Consumer Loan Originator
Loan Officer Job 68 miles from Biloxi
Responsive recruiter Benefits:
401(k) matching
Bonus based on performance
Competitive salary
Dental insurance
Free uniforms
Health insurance
Paid time off
Profit sharing
Tuition assistance
Vision insurance
Consumer Loan OriginatorSUMMARY/OBJECTIVE:Provide information on credit union products and services according to all credit union policies and procedures and Federal and State rules and regulations. Responsible for interviewing and evaluating applicants for routine loans, and processing loan applications. Gather background information and analyze loan applicant's credit history.Saturday rotation required; may also require occasional travel for training as needed. Supervisory Responsibilities: None Essential Functions:Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Assist members with the loan application process to ensure completeness of information.
Pull credit reports for all accounts, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.
Calculate debt to income ratios on loan applicants.
Complete loan applications over the phone and/or electronically.
Validate automated approvals or denials of loan applications.
When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future.
Verify the accuracy of loan amounts and repayment terms on approved loan applications.
Complete loan documents and disburse loans when needed.
Implement new loan products and services in accordance with management direction.
Cross sell lending and other credit union products.
Other duties as assigned.
Competencies:To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required.
Ability to solve problems within established policies and procedures
Ability to accept and perform new job responsibilities as needed
Excellent communication skills (oral, written and listening), professional appearance and positive attitude
Basic math skills required (ability to add, subtract, multiply, and divide using whole numbers, common fractions, and decimals)
Have a thorough knowledge of Consumer Lending Compliance and Lending Regulations.
Good working knowledge of credit models and credit scoring
Education:
High school diploma or equivalent and at least two years of related work experience, preferably in a financial institution
Experience, Skills and Other Requirements:
Must possess strong basic math skills, accuracy and attention to detail
Exceptional oral and written communication skills required.
Must possess interpersonal skills including courtesy, tact, and diplomacy as they are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.
Computer Skills - MS Word, Excel, Outlook, and PowerPoint.
Certificates, Licenses and Registrations:
Must successfully complete BSA training as required
Employee must be bondable (insurable)
WORK ENVIRONMENT: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Primarily in-door office work with quiet to moderate noise level.
Occasional work outside the office.
Occasional travel for business-related functions.
Occasional evening and weekend schedules required.
Position Type/Expected Hours of Work:This is a full-time Non-Exempt position. Base salary plus Commission.Days and hours of work are Monday through Thursday 8:00 a.m. to 5:00 p.m., Friday 8:00 a.m. to 5:30 p.m. and occasional Saturdays from 9:00 a.m. until 1:00 p.m. PHYSICAL DEMANDSThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this job, the employee is regularly required to sit, stand, and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is frequently required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move 25-30 pounds. Employment Requirements:All applicants must meet the certain conditions of employment to be eligible for employment at Sunbelt Federal Credit Union:
U.S. Citizenship
Successfully passing a drug test for illegal drugs
Successfully passing a background investigation
Benefits Offered:
401K, With employee match and profit shares.
Medical, Dental & Vision, Life, STD, LTD
Paid Holidays
Employee Education Assistance Program (Tuition Reimbursement). Contract required with Terms and Conditions.
PTO (Paid time off)
Employee Assistance Program (EAP)
DECLARATIONThis job description is designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Sunbelt FCU is an Equal Opportunity Employer.
Mortgage Loan Originator
Loan Officer Job 10 miles from Biloxi
Thank you for your interest in our company! To apply, click on the button above. You will be required to create an account (or sign in with an existing account). Your account will provide you access to your application information. The email address used in establishing your account will be used to correspond with you throughout the application process. Please be sure and check the spam folder. You may review, modify, or update your information by visiting and logging into your account.
JOB FUNCTION / SUMMARY:
Originate portfolio loans, secondary market conventional, FHA, VA and RD loans which are compliant with investor requirements and all State and Federal laws and regulations; Promote Bank products and services to existing and potential clients in the community
ESSENTIAL DUTIES & RESPONSIBILITIES:
Provides expert mortgage advice to potential borrowers
Stays current with
Bank's underwriting policy;
Investor guidelines;
Applicable State and Federal laws and regulations and
Changes in other aspects of the mortgage industry
Develops and maintains referral networks of Bank associates and external referral sources such as Realtors, Builders, friends, family and others in the community
Manages a clean pipeline of loans in process coordinating with Processors, Underwriters and Closers on a daily basis
Delivers all compliance documents and disclosures in a timely manner
Additional Duties:
Takes a very complete application and collects all required documentation (such as income tax return, bank account number, purchase agreement, and property description, etc.) for verification.
Prepares the borrower(s) for the process and keeps ALL of the parties involves in the process, up to date on all important developments and current status of application
Informs applicant of closing costs such as appraisal, credit report, and notary fees
Coordinates the closing with the borrower(s), closing agents, Realtors and others involved in the transaction
Interviews loan applicants to document income, debt, and credit history
Determines if applicant meets establishment standards for further consideration
Answers applicant's questions and asks for signature on information authorization forms
Submits application forms to Mortgage Loan Processor for verification of application information
Calls applicant or other persons to resolve discrepancies, such as credit report showing late payment history
Informs applicant of loan denial or acceptance
Keeps Bank associates up to date on changes in the industry and works as a team member with the other lines of business
Keeps all compliance requirements up to date and maintains a working knowledge of the products and services provided by the other lines of business and Bank affiliates
Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act
SUPERVISORY RESPONSIBILITIES:
None.
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
Bachelor's Degree preferred
2 years of sales experience required
2 + years of Mortgage origination experience is preferred
This position requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. As such, upon active employment you will be required to either register on NMLS or re-register and move your previous registration. Your continued employment in this position is contingent upon successful registration immediately after your start date and annual renewal of your registration thereafter. In addition, information obtained during the registration process may impact your employment.
Knowledge of all Mortgage laws, procedures, rules, regulations, etc. on a federal, relevant state, local and bank-wide basis
Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, PowerPoint and Access; Ability to learn or knowledge of Outlook email program
Excellent communication, analytical, customer service and organizational skills
Ability to work effectively with all levels of personnel
Strong presentation skills
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
Ability to travel if required to perform the essential job functions
Ability to work under stress and meet deadlines
Ability to operate related equipment to perform the essential job functions
Ability to read and interpret a document if required to perform the essential job functions
Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.
LOAN PROCESSOR - SBA/Mortgage
Loan Officer Job 195 miles from Biloxi
The Loan Processor is responsible for the preparation of loan files, as well as providing assistance to the Loan Officers, their Assistants and Bank customers in the processing of various type of loans.
Primary Responsibilities:
Utilize LaserPro program for entry of all customer documents regarding loans
Handle communications with attorney and/or their representatives regarding loan estimate and closing disclosure statement to ensure compliance with federal lending regulations
Responsible for communicating with various federal agencies such as Clerk of Court, DMV, Wildlife & Fisheries offices regarding filing of mortgages, titles of vehicles, calculation of fees, and other related correspondence and documents for loans
Input and updating of customer loan data in all bank computers systems to include LaserPro, Core, GSS, etc.
Review active loan files daily to determine if any documents are missing and/or what can be done to help the process along
Maintenance of escrow accounts to include review of statements for accuracy, insurance premiums, taxes. Also handles correspondence and questions from customers regarding Escrow accounts
Prepare all correspondence to customers as required to support the loan process
Input payments and compile reports related to Credit, Life, Accident and health insurance required for loans
Review and update loan maintenance logs
Perform and assist with clerical duties as assigned to ensure the loan functions of the Bank are performed efficiently and effectively
Aid bank branches with issues with LaserPro and transactions as necessary
Performs other duties and responsibilities as assigned by management
Required Skills/Abilities:
Strong communication skills with ability to interact with different personalities while maintain professionalism
Detail oriented and analytical skills required for preparation and review of all documents
Strong work ethic, along with high level of integrity and ability to handle information and issues confidentially
Ability to understand, write and review legal loan documents
Strong computer skills, along with ability to adapt to new computer programs
Education and Experience:
High School Diploma or equivalent required / College Degree a plus
Banking and/or legal experience a plus
Experience with SBA and/or Mortgage strongly preferred
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
External Mortgage Loan Originator
Loan Officer Job 4 miles from Biloxi
Job Details Ocean Springs, MS Full Time High School Road Warrior SalesDescription
AnnieMac Home Mortgage is looking to hire Full Time
External Mortgage Loan Originators
to establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources. Candidates should have experience directly related to the Mortgage Industry. Under the direct supervision of the Branch Manager, the job responsibilities of the
External Mortgage Loan Originator
position include, but are not limited to, the following:
Primary duty is to sell mortgage loans to customers away from and outside of AnnieMac Home Mortgages places of business. Work done at AnnieMac Home Mortgages offices is related and supplemental to outside sales.
Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.
Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.
Take information from the borrower and fill out the loan application.
Develop relationships with referral partners such as realtors to generate new customers.
Analyze the prospective borrowers income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.
Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.
Collect financial information (tax returns, bank statements) and other related documents that are part of the application process;
Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.
Counsel and advise the borrower in understanding and clearing credit problems.
Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.
Order legal documents.
Review HUDS prior to closing.
Qualifications
Must have appropriate state license or certificate (varies by state).
Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.
Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.)
Must have excellent communication skills and the ability to analyze financial information.
Must be a sales-oriented self-starter.
Work Environment/Physical Demands: Travel is required 80% of the time.
***AnnieMac Home Mortgage is an Equal Opportunity Employer
***
Loan Specialist I - Booking
Loan Officer Job 248 miles from Biloxi
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Loan Specialist I - Booking is responsible for reviewing commercial, consumer and real estate loan documentation and booking all loan details into the internal system. This position is also responsible for ensuring that all internal and external loan requirements are met.
The incumbent will:
Review loan documents for completeness, accuracy and adherence to the credit approval
Request additional information from all regions on any un-bookable loan packages
Book loans into the loan system within 24-48 hours of receipt utilizing the LaserPro to Jack Henry interface
Note any missing documentation and gather all documents required to complete the booking process
Add collateral and collateral document listing in Jack Henry
Fund loan in Jack Henry
Ensure loan fees are disbursed and processed correctly
Prepare general ledger ticket items at time of booking and clear any GL exceptions the following day
Disperse collateral documents to appropriate area for recording or tracking
Review various reports to ensure accuracy of loan set up
Code and input data into the loan systems
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
High school diploma or equivalent
One (1) or more years of related or similar experience
Attention to detail, as demonstrated in previous experience reviewing documents for accuracy
Ability to input accurately using a keyboard
Experience using Microsoft Outlook, Word and Excel
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained sitting at a desk or workstation
Frequent use of PC, including typing or sustained attention to monitor
Frequent typing using a keyboard and/or calculator
Occasional lifting of basic office files up to 25 lbs
Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
Smart Home Consultant
Loan Officer Job 237 miles from Biloxi
As a Smart Home Consultant, you will be a sales solutions expert and a brand ambassador for ADT's 6 million customers. As the key point of contact for home automation clients, you will answer inquiries, provide technical advice, and demonstrate how to use new products and services. Additionally, in this role, you will install and activate security and Smart Home products while upselling solutions that best meet the needs of ADT's residential customers.
A day in the life of a Smart Home Consultant looks like this:
Build relationships between new customers and the ADT brand and product portfolio
Complete in-home consultation and assessment
Perform installation and activation of equipment - including home security camera, security hardware, and IoT and smart home devices
Complete customer onboarding and education of key products and services
You will work in a dynamic, collaborative environment, working closely with customers and coworkers
This role involves providing solutions by visiting customers at their homes or businesses
Training Program:
ADT offers a comprehensive paid training program for this role regardless of experience. Our team is enthusiastic about developing you into a best-in-class Smart Home Consultant.
Job Requirements
High School diploma or the equivalent
Valid driver's license
When you commit to ADT -we commit to you. Our employees receive a comprehensive, full benefits package that includes:
Comprehensive paid training program
Full benefits on the 1st of the month after 31 days of employment
Health
= Medical & Prescription, Dental, Vision, Health Savings & Flex Spending
Future
= 401(k) with employer matching
Life
= Paid vacation time
Company vehicle provided
Base salary plus the potential to earn unlimited commissions and ability to earn additional pay for completing jobs and exceeding quality standards
Tuition reimbursement
Employee Referral bonuses - when you refer a friend or family members
Loan Specialist - Enterprise, AL
Loan Officer Job 192 miles from Biloxi
As a Loan Specialist, you will help Veterans and active duty service members navigate the VA loan process. You will work with Loan Officers, and will often be the first point of contact for borrowers.
Job duties will vary upon assignment but may include:
Interview borrowers and obtain and/or verify information and documentation while educating them on the loan process and product/service alternatives.
Process borrower credit information through the online approval system and analyze for pre-approval or denial of loan applications.
Remain knowledgeable on company and industry guidelines and processes.
Make initial contact and respond promptly to customer inquiries via phone and email to collect borrower financial and credit information.
Inform borrowers on future loan documentation requests, including borrowers' income and asset information.
Actively contribute to making the team and culture stronger by assisting with other duties as needed.
The Loan Specialist position is ideal for someone that can balance their competitive nature with their desire to build and maintain quality relationships. You're able to quickly bounce back from rejection and have the emotional intelligence to handle sensitive conversations with borrowers. This role will require an NMLS license or willingness to become certified before being hired.
We're looking for someone who can be passionate about their job and have fun doing it, who will deliver results with integrity, and who enjoys finding ways to enhance the lives of others every day.
We'll also want to know you can demonstrate these attributes:
Previous experience in the mortgage industry
High attention to detail
Adaptable to change and shifts in priority
Able to self-motivate to meet goals
Willingness to self-source leads
Task management and time management
Proficiency of basic computer technologies
Interested? Apply Today!
Learn more about us on Glassdoor and our career site at vu.com/careers
Veterans United Home Loans and its affiliates are Equal Opportunity Employers that consider all qualified applicants regardless of race, color, religion, sex (including pregnancy, transgender status, and sexual orientation), national origin, age (40 or older), disability or genetic information.
Mortgage Loan Originator
Loan Officer Job 10 miles from Biloxi
The purpose of this job is to serve all customers by providing mortgage loan information, disclose fees, and gather data necessary to process mortgage requests. Responsibilities * Determine the best loan product for customer * Devise marketing plans to seek referrals from agents and builders
* Provide guidance for loan inquiries related to pricing, product information, documentation requirements, payments, closing costs and qualifying requirements
* Complete applications and gather documents as needed to meet the parameters of the loan type, i.e., FHA, VA, Conventional, portfolio, etc
* Develop referrals from internal and external sources. Maintain relationships with realtors by providing superior service
* Originate and promote Trustmark's Community Lending Loans and Products
* Coordinate and assist the mortgage dept. in the origination and servicing of Community lending products and services
Qualifications
* Minimum of 2 years' experience originating agency eligible mortgage loans or equivalent experience in underwriting or processing of agency eligible mortgage loan products
* Eligible for NMLS certification
* Thorough knowledge of government and conventional mortgage loan guidelines and requirements
* Extensive knowledge of the qualifying variables between mortgage loan products
* Ability to analyze all documentation to determine accuracy and acceptability for agency and portfolio requirements
* Knowledge of appraisal standards and acceptability
* Ability to produce tax return analysis as required by conforming loan guidelines
* Must know how to fully disclose and handle all applications according to compliance regulations
* Ability to work and identify with a varied group of borrowers, housing related entities and other community-based organizations
* Working knowledge of financial compliance and regulatory requirements
* Computer skills
* Interpersonal Skills
* Sales skills
* Communication skills
* Analytical Skills
* Junior college/Two-year college training preferred
1st Heritage - Consumer Loan Specialist
Loan Officer Job 55 miles from Biloxi
We service our communities by offering personal installment loans designed to help our customers get the money they need when they need it. The Assistant Manager supports all aspects of branch operations and is an opportunity to learn all aspects of managing, lending, personnel supervision and collections. Our dynamic team is goal-driven, focused on business growth, increased sales, and maintaining controlled delinquency.
If you are a self-motivated individual with a career-oriented mindset, energized by delivering excellent customer service and hitting sales goals, then check out this opportunity!
Benefits:
Earn monthly bonuses
Medical, dental, and vision insurance effective day 1
401K with some company match
Paid Time Off
Employee Relief Fund
Hourly: $15.25 - $20.50
The base hourly range represents the low and high end of the anticipated hourly range for this position based on the state average. The actual base hourly offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.
Hours: Full Time, Monday through Friday, 8:30am to 5:30pm with an occasional evening or Saturday.
Why you would love to work here:
"I joined Heights Finance in 2010 as a CSR, with no prior experience in finance. Little did I know that this role would pave the way for a fulfilling career! Heights Finance genuinely values its team members and takes pride in promoting from within. Today, I am proud to serve as a District Manager, a position I moved into in 2021 - Also, a testament to the growth opportunities the company provides. The company offers excellent benefits, a set schedule that promotes work-life balance, and supportive leadership that ensures every team member feels valued. The company, also fosters an open culture, encouraging team members to share their ideas and suggestions. I truly love working here and am grateful for the incredible opportunities Heights Finance has provided."
~ Ashley S., District Manager - Alabama
"Since joining Heights Finance as a Branch Manager in 2013, I have enjoyed the benefit of internal transitions and promotions on multiple occasions. Transitioning from my original branch to a larger branch in a different demographic, to a middle-sized branch in a combination of demographics, assisted me with being prepared to take the next step in my career. As a result, of these experiences, I was qualified for a District Manager position in 2021. In 2024, I made a career change and with the support of my VPO, I was able to move into an Operations Trainer. During each transition, my supervisors worked to ensure I had the training, tools, and support needed to be successful and the level of camaraderie amongst my peers was unparalleled."
~ Jessica W., Operations Trainer - United States
Responsibilities
What you will be doing:
Welcome and assist every customer in a professional manner
Process loan applications to determine customer eligibility
Educate and upsell
Interview day for Loan Specialists and Assistant Managers
Loan Officer Job 80 miles from Biloxi
Are you ready to take your career to the next level? Regional strives to positively impact the financial lives of our customers. For over 35 years, our Team Members have been passionate about supporting customers through their financial challenges in life. They take pleasure in finding solutions and lending a helping hand, both to our customers and our communities. As we continue to grow and become a national brand in consumer financing, we hope you'll consider us for future career opportunities.
If you are looking to make a meaningful impact in people's lives by bringing a personal touch to finances, join our team today!
Regional Finance is hiring! We are excited to host an interview day on March 25th for our Loan Specialist, Assistant Manager, and Manager Trainee positions. Click that apply button and we will schedule all qualified applicants for an interview.
Job Intro
The core of an Assistant Manager is being customer oriented. If you are interested in helping others in their time of need, then this is the career you have been looking for!
Why work at Regional?
* Regional offers competitive pay! We do our best to show that we value our team members!
* You are eligible for a monthly bonus. Who doesn't love a nice cash reward for their hard work?
* You will have promotion opportunities. We love to train our Assistant Managers into future Branch Managers!
* All full-time team members have access to our medical, dental, vision and 401(k) benefits!
* Pays an average of $46,000, this amount can vary based on your location and cost of living adjustments!
Duties and responsibilities
* Provide exceptional service to all customers.
* Process credit loan applications and use product knowledge to present loan solutions to current and potential customers.
* Maintain office cash with accuracy and proper security.
* Grow account volume through good judgment and effective customer solicitations in the branch and by telephone.
* Minimize delinquent debt through calling customers and collecting on past-due accounts.
* Receive, track, and post all payments and fees to customer accounts in compliance with Company Policy.
* Transport money and deposits to and from bank.
* Other duties as assigned by leadership.
Minimum Qualifications
* High School Diploma or Equivalent.
* Prior customer service experience in either a sales/retail environment or cash management environment.
* Must pass drug screen, criminal and credit background checks.
* Valid Driver's License and access to a dependable automobile with liability insurance coverage.
Critical Competencies
* Demonstrated passion for customer service.
* Excellent written and verbal communication skills.
* Customer service minded with a personality that relates well with a broad spectrum of people, including external customers, branch colleagues, and corporate co-workers.
* Thrives in a pay for performance atmosphere.
* Proven ability to multi-task.
Working conditions
This position works in an office providing consumer loan products in person and over the phone. The typical working hours are 8:30am to 5:30pm Monday through Friday with some Saturdays required. Overtime may be required on an as needed basis and is at the discretion of upper management.
If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: **************************************************************************************************
Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law ("Protected Characteristics"). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.
LOAN EXAMINATIONS SPECIALIST
Loan Officer Job 205 miles from Biloxi
The Loan Examinations Specialist is a permanent, full-time position with the State Banking Department. Positions are located throughout the state. This is fully functional, specialized accounting and auditing work in the examination of finance companies, mortgage brokers, pawnshops and payday lenders.
1st Heritage - Consumer Loan Specialist
Loan Officer Job 55 miles from Biloxi
We service our communities by offering personal installment loans designed to help our customers get the money they need when they need it. The Assistant Manager supports all aspects of branch operations and is an opportunity to learn all aspects of managing, lending, personnel supervision and collections. Our dynamic team is goal-driven, focused on business growth, increased sales, and maintaining controlled delinquency.
If you are a self-motivated individual with a career-oriented mindset, energized by delivering excellent customer service and hitting sales goals, then check out this opportunity!
Benefits:
Earn monthly bonuses
Medical, dental, and vision insurance effective day 1
401K with some company match
Paid Time Off
Employee Relief Fund
Hourly: $15.25 - $20.50
The base hourly range represents the low and high end of the anticipated hourly range for this position based on the state average. The actual base hourly offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.
Hours: Full Time, Monday through Friday, 8:30am to 5:30pm with an occasional evening or Saturday.
Why you would love to work here:
"I joined Heights Finance in 2010 as a CSR, with no prior experience in finance. Little did I know that this role would pave the way for a fulfilling career! Heights Finance genuinely values its team members and takes pride in promoting from within. Today, I am proud to serve as a District Manager, a position I moved into in 2021 - Also, a testament to the growth opportunities the company provides. The company offers excellent benefits, a set schedule that promotes work-life balance, and supportive leadership that ensures every team member feels valued. The company, also fosters an open culture, encouraging team members to share their ideas and suggestions. I truly love working here and am grateful for the incredible opportunities Heights Finance has provided."
~ Ashley S., District Manager - Alabama
"Since joining Heights Finance as a Branch Manager in 2013, I have enjoyed the benefit of internal transitions and promotions on multiple occasions. Transitioning from my original branch to a larger branch in a different demographic, to a middle-sized branch in a combination of demographics, assisted me with being prepared to take the next step in my career. As a result, of these experiences, I was qualified for a District Manager position in 2021. In 2024, I made a career change and with the support of my VPO, I was able to move into an Operations Trainer. During each transition, my supervisors worked to ensure I had the training, tools, and support needed to be successful and the level of camaraderie amongst my peers was unparalleled."
~ Jessica W., Operations Trainer - United States
Responsibilities
What you will be doing:
Welcome and assist every customer in a professional manner
Process loan applications to determine customer eligibility
Educate and upsell
Mortgage Loan Officer
Loan Officer Job 320 miles from Biloxi
The Licensed Loan Officer will oversee the origination, file management, communication. This position will be in direct communication with Clients, Realtors, Builders, and Business Partners. This position requires time management, precise verbal and written communication and have working knowledge of all major investors and their guidelines.
Essential Duties of the Position:
• Pre-qualifies clients to include discussing, rates, terms and/or financial options and attends all functions with Loan Officer when required.
• Complete LPII checklist on all files and adhere to company time frames.
• Call and obtain conditions from borrowers and Realtors.
• Meets with clients to sign Loan Application and Disclosures.
• With new contracts, facilitate the introduction to Realtors via e-mail
• All files turned into processing within 24 hours of meeting with the borrower.
• Understands and research's all investor guidelines and is up to date in any and all program changes that effect the processing or originating of loans in pipeline.
• Submits complete files to processing based on Investor and/or AUS requirements to get ready for submission to Mother Ship.
• Clears any conditions that require communication to the clients.
• Communicates with your team all information pertaining to client and/or property to meet file expectations.
• Responsible for once a week status calls to all parties involved in transaction (Clients, Realtors, Builder, etc.).
• Tracks and manages new leads and follows up on referral business.
• Sends out correspondence - Thank you cards, Closing Cost Calculators, etc.
• Coordinate Closing details with Client - Final Payment, rate, Cash to Close, etc.
• Be able to quote interest rates and lock loans.
• Solve escrow issues
• Consistently exceed borrower expectations and Realtor/Builder expectations.
• Set up file using the loan officer checklist and turn into processing.
• Review all closing statements and compare to signed GFE before signings and correct discrepancies.
• Assist LPI with putting scenarios together for prospective clients (researching client scenarios with underwriting and investor guidelines).
• Face to face meetings with clients
• Re disclose all new loans when there is a change of circumstance.
• Attend loan closings
• Continue to assume responsibilities and help the team grow.
• Obtain 3 current client referrals that go to closing each month.
Job Requirements:
• Must be able to work 40 hours per week and overtime as required.
• Must be proficient in Word, Excel and Outlook applications.
• Proficient in DU/DO, LP, & major Origination systems.
• Must have excellent verbal and written communication skills.
• Must have a positive attitude.
• Must be dependable, self-motivated and require minimal supervision.
• Proficient with major correspondent and wholesale channels and their guidelines, including their websites and pricing engines.
• Minimum five (3) years of mortgage processing, underwriting, originating or combination of all aspects.
• Must be registered and licensed through NMLS.
Guaranteed Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.