Mortgage Loan Officer
Loan Processor Job 8 miles from Meridian
About Us
Idaho Trust Mortgage, an affiliate of Idaho Trust Bank, is seeking a Mortgage Loan Officer to join our growing team in Boise, Idaho. We're a boutique mortgage loan brokerage focused on building long-term relationships with clients, offering a wide range of products from trusted lending partners, and making the dream of homeownership accessible-because our goal is simple: “A Home for Everyone.”
In this relationship-driven role, you'll develop a referral network, consult with clients on their financing needs, and guide them through the mortgage process with care and precision. You'll work alongside an experienced team in a supportive, entrepreneurial environment that values integrity, professionalism, and client-first service.
What You'll Do
Build and manage referral networks with real estate agents, builders, and financial professionals
Help develop and maintain our Preferred Broker relationships
Meet with prospective borrowers and recommend loan solutions tailored to their financial goals
Submit accurate, complete loan applications and collaborate with processors and third-party lenders
Stay current with market trends, lending products, and compliance guidelines
Achieve production goals while delivering best-in-class service
What We're looking For
2+ years in mortgage loan origination
NMLS-licensed (Idaho or eligible)
Proven track record in referral-based sales
Familiarity with conventional, FHA, VA, jumbo, and HELOC products
Excellent interpersonal skills and ethical standards
CRM and mortgage software proficiency
Why Idaho Trust Mortgage
Base salary + competitive commissions
Health, dental, and vision insurance available
Tight-knit, collaborative team culture
Opportunity to grow with one of Idaho's most respected financial institutions
Construction Loan Processor
Loan Processor Job 203 miles from Meridian
As a Construction Loan Processor your primary responsibilities include to promptly, efficiently, and compliantly gather necessary documents to complete the construction draw process. This includes processing, funding, and handling all draws and modifications throughout the building process. The role works closely with Construction Loan Officers and Underwriters to achieve the goals of the Credit Union.
Responsibilities
* Process all construction loans, ensuring all required documentation is in the file and accurate.
* Send all required disclosures following RESPA and Fair Lending requirements.
* Manage all draw requests, including balancing draw requests to lien waivers or invoices.
* Analyze budgets against sources and uses of funds to identify exceptions or changes in conformity to standard monitoring requirements.
* Assess compliance with loan documentation to ensure loans are within budget and timeframe for project completion.
* Manage construction loan files, including builder plans and specs, income verifications, assets, cost-to-build estimates, and site designs.
* Communicate with the loan officer, member, builder, inspector, and title as necessary to receive proper documentation for a complete draw. This includes approving all draws and obtaining appropriate levels of approval as necessary.
* Coordinate inspection of the project with the Credit Union's inspectors.
* Set up and maintain internal records, keeping loan disbursements and project progress through input into the Credit Union's monitoring system.
* Assist with various mortgage loan duties as required.
* Perform additional duties as assigned.
Qualifications
Bachelor's Degree or equivalent work experience preferred. One year or more of loan processing experience preferred. Excellent communication and people skills with an eye for detail. Able to work under pressure and multi-task in an organized manner.
Performance Standard:
Must take pride in department by processing draw requests in a timely and efficient manner with a high attention to detail. Must be professional and courteous in manner, with a focus on attendance, quality and quantity of work performed. Must be willing to comply with the Bank Secrecy Act and USA Patriot Act as implemented by Idaho Central Credit Union.
Physical Requirements:
* Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).
* Sit for extended periods of time.
* Lift 20-40 pounds of applicable supplies including but not limited to copy paper, cash drawers, marketing material, etc.
* Repetitive motion using wrists, hands, and fingers.
* Reach keyboards.
* Ability to operate basic office machines (calculator, computer, telephone, copy machine, fax machine, etc.).
The above statements reflect the general details considered necessary to describe the essential functions of the job and should not be construed as a detailed description of all the work requirements that may be inherent of the job.
Must be eligible for membership at Idaho Central Credit Union to obtain employment.
Idaho Central Credit Union is an Equal Opportunity Employer. Employment decisions are made without regard to race, color, religion, national or ethnic origin, sex, age, disability, protected veteran status or other characteristics protected by law.
Mortgage Loan Processor
Loan Processor Job 122 miles from Meridian
Why work for First Federal Bank?
Our company culture is driven by our desire to serve our members and communities, something we have done for over 100 years. Along with doing meaningful work, enjoy perks and benefits that come along with being part of Idaho's only mutual bank - no stockholders or majority owners, just our account members!
Eligible First Federal Bank employees receive paid vacation, sick leave, and holidays; health insurance, dental insurance, and vision insurance; 401(K) retirement; educational assistance; life insurance; and long-term disability insurance.
Employees also receive paid community service hours and can participate in our Pay-It-Forward program to give back to the communities we serve. In addition, the First Federal Foundation has provided over $1.4 million to local non-profits since 2003. For a meaningful job and to be part of a community-focused team, as well as much more, apply today at *****************************
Essential Duties and Responsibilities
Check that the loan file(s) contain proper documents, signatures, dates, and other relevant information such as vesting, legal descriptions, and security instruments.
Prepare security instrument documentation to perfect liens on collateral.
Prepare loan closing disclosures and closing documents and ensure timely delivery to borrower(s), loan originator, and settlement agent.
Balance closing figures with settlement agent.
Review loan documentation and enter loan data into the loan origination system to ensure we have a complete and accurate loan record.
Review loan files and communicate remaining items needed to process the loan request.
Review loan files for compliance with all regulations, as well as Bank policies and procedures.
Verify loan application information provided is complete and complies with lending standards.
Maintain regular communication with third parties: settlement agents, insurance representatives, and secondary market representatives regarding loan approvals, conditions and follow up.
Ensures that all conditions required by underwriting are in the file prior to borrowers closing.
Perform all job duties and maintain compliance with all banking acts, laws, and regulations applicable to your job function.
Non-Essential Duties and Responsibilities
Assist with training other mortgage processing employees.
Assist the updating department procedures and documentation.
Qualifications Required
(Required education may be satisfied by experience and/or working knowledge)
A High School Diploma or equivalent
Two years of experience in banking, finance, office or clerical support, or related role.
Physical Requirements and Working Conditions
Sitting for extended periods of time
Ability to operate computer applications and basic business equipment
Infrequent travel may be required for meetings and trainings
Qualifications Preferred
One year of experience in mortgage loan processing or closing, or
Two years of experience in real estate lending
Account & Loan Processor
Loan Processor Job 10 miles from Meridian
Job Details Nampa Branch - NAMPA, ID Full Time High School Negligible Day BankingDescription
Pioneer FCU offers a complete benefits package to all team members that includes, but not limited to:
An excellent compensation package starting at $17.04 per hour
Bilingual Pay wage differential (additional compensation if fluent in Spanish)
An 8% Employer Matching dollar-for-dollar 401(k) program after Year One
Health, dental and vision insurance
Pioneer pays a minimum of 80% of the premiums
12 paid holidays including day after Thanksgiving
Accrue up to 16 days of Paid Time Off in year one, plus Birthday and Work Anniversary day off
PTO accrual increases with Pioneer seniority
Up to $300 in Interest-free Wardrobe Salary Advance available on Day One!
Up to $2,000 in Interest-free Technology Salary Advance
Up to $1,000 Interest-free Wellness Advance to purchase gym membership, Peloton, or any exercise equipment
Up to $2,300 in Tuition reimbursement per semester
Childcare reimbursement up to $100 per child per month
So much more!
As a progressive financial institution, we are seeking a dynamic individual to fulfill the role of Member Services Representative (Account & Loan Processor) for our Nampa Branch.
The Member Service Representative will greet and assist members and potential members with their Credit Union needs; explains services, sets up new accounts, responds to problems, assists members with their loan applications; processes loan disbursements and directs members to the appropriate team members. This position is responsible for offering and explaining electronic and video services for members convenience. Must be proficient with Pioneers electronic channels to include, but not limited to home banking, mobile banking, and my Pioneer Personal Assistant products. Assists other team members with a variety of duties.
Responsibilities Include:
Open and perform maintenance on consumer and business accounts and loans. Analyze credit reports, looking for opportunities to deepen member relationships and assist members in bringing other products to Pioneer by asking open-ended questions to discover member needs and achieve strategic objectives. Utilize follow up practices on all new loans and deposit accounts for increased sales, proactively identify issues or concerns and asking for referrals. Protect the member and Pioneer through sales of additional loan add-on products. Perform prompt and accurate account and loan maintenance functions.
Ensures that all inspections and loan documents are done accurately and timely so that Pioneer can secure their lien and lending departments have supporting documents. Ensure all account documentation is opened accurately and timely for auditing purposes. Secures and maintains members confidential information and protects Pioneers reputation. Develop and maintain a thorough knowledge of the credit unions consumer, real estate, and business lending and account policies and procedures. Adheres to the credit union's security and internal controls policy, member service standards, and government regulations. Acts as liaison between members and various organizations and departments. Will be responsible for helping maintain Pioneers brand look and feel at all times.
Works diligently to stay current on all Pioneers products and services, to include but not limited to deposit accounts, loan products, electronic banking features, video platforms, online account and loan opening, DocuSign for loan closings, signature cards, and forms. Ability to use multiple systems to assist internal and external requests. Completes assigned training to perform job functions or as required by law.
Qualifications
Experience: Minimum one year of similar or related experience.
Education: A high school education or GED
Interpersonal Skills: A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary.
Other Skills: This position requires excellent public relations skills, knowledge of Credit Union services and products, organizational skills to ensure the proper recording and dissemination of required information. Efficiency and accuracy, as well as professionalism in communication, is vital to the successful execution of this position
Physical Requirements: Very light physical effort. Typical of most office jobs. Work in comfortable positions. May include constant standing.
Work Environment: Normal light, heat, air, and space in the work environment.
Indirect Loan Processor
Loan Processor Job 218 miles from Meridian
Discover the Westmark Difference!!
Are you looking for a career? Do you want to be valued as an individual on a team? Do you want to learn, grow, and make a difference in your community? Westmark offers outstanding stability, a variety of career opportunities and exceptional work/life balance.
· 60 % of our employees have been part of the Westmark family for 5+ years.
· 71% of our employees who have been part of the Westmark family for one year or more have received at least one promotion.
· 85% of our managers were promoted from within the company.
· Westmark has been in business since 1954 and has recently grown to over $1.2 billion in assets, 15 branches, and over 70,000 members!
We also have some of the most impressive benefits in the industry:
· Paid Time Off (3 to 5 weeks per year, depending on tenure) PLUS 11 paid holidays.
· Excellent health insurance options for employees and family with shared premiums
· 401k with 75% company match and 2% profit sharing contribution
· Tuition Reimbursement and Scholarships
· Employee Assistance Program (Free counseling and legal services)
Position Summary: The Indirect Loan Processor is responsible for handling dealer applications and funding loans in alignment with Credit Union policies. This role is crucial in supporting the relationship between the credit union staff and dealerships, helping to achieve strategic goals and ensuring compliance throughout the funding process.
Schedule: 40 hours within a Monday through Friday work week
Loan Processing and Funding:
Review incoming contracts from dealers to ensure accuracy
Review received stipulations on loans, such as Proof of Residency, Proof of Paid Collection, and other required documentation.
Prepare and fund loans in compliance with Credit Union loan policies.
Collaborate with the indirect lending team as necessary to process and fund indirect loans.
Process dealership disbursals in accordance with department procedures.
Maintain daily performance levels.
Dealership Relationship:
Communicate and build strong relationships with dealership personnel.
Address issues or concerns with dealers via phone calls and face-to-face visits to foster positive working relationships.
Assist dealership personnel in accurately completing loan applications and ensuring all information is correct.
Problem Resolution:
Handle member and dealership complaints and issues with patience and professionalism, working to resolve them effectively.
Collaborate with cross-functional teams to resolve member questions and discrepancies and to provide effective problem resolution.
Escalate complex issues to the appropriate department or supervisor as needed.
Assist internal team members with questions regarding indirect loans.
Compliance and Risk Management:
Ensure all transactions, member interactions, and lending activities comply with Westmark policies, procedures, and regulatory requirements.
Stay informed about changes in banking regulations and industry standards.
Requirements
Qualifications:
High School diploma or equivalent, Associate or Bachelor's degree preferred
Previous experience in banking, customer service, or sales, with a strong understanding of lending processes
In-depth knowledge of financial products, services, and lending regulations.
Excellent interpersonal and communication skills.
Ability to multitask and work efficiently in a fast-paced environment.
Detail-oriented with strong organizational skills.
Proficiency in computer applications including MS Office.
Commitment to providing outstanding member service and maintaining member confidentiality.
Key Competencies:
Member focus
Self-starter
Goal Oriented
Analytical Thinking
Attention to Detail
Problem Solving
Adaptability
Team Collaboration
Integrity
Accountability
Physical Requirements:
Manual Dexterity and hand-eye coordination for tasks such as typing and operating office equipment.
Sitting for extended periods of time.
Visual and auditory abilities to understand and communicate with the public.
Repetitive motion using wrists, hands, and fingers.
Westmark Credit Union is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
Salary Description $18.00 - $20.87
Loan Originator NE
Loan Processor Job 6 miles from Meridian
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.
Bilingual Senior Loan Processor (Spanish/English)
Loan Processor Job In Meridian, ID
Premier Mortgage Resources is seeking a detail-oriented Bilingual Loan Processor (Spanish Speaking) to join our team. In this role, you will be responsible for processing FHA, VA, USDA, State Bond, and Conventional loans, ensuring accuracy and compliance throughout the process. You will coordinate with Loan Originators, Underwriters, and third-party vendors to meet deadlines and deliver exceptional customer service. The ideal candidate will have at least 5 years of mortgage processing experience, be fluent in Spanish, and thrive in a fast-paced, dynamic environment. Join our dedicated team and help us deliver outstanding service to our clients!
Responsibilities:
Process FHA, VA, USDA, State Bond, and Conventional loans for assigned Loan Originators.
Review and update loan applications for accuracy.
Verify loan information via documentation and third-party sources.
Run and review initial DU or LP Findings.
Assess tax returns and income documentation to calculate qualifying income.
Order and track items such as title, appraisal, insurance, and other necessary documents.
Pull and review Fraud Guard, SSN, and 4506T transcripts.
Clear underwriting conditions and meet closing deadlines.
Maintain communication with Loan Originators on file status and updates.
Provide backup processing support across branches as needed.
Stay up to date with changes in loan guidelines and regulations.
Assist Loan Officers with borrower qualifying scenarios.
Ensure a high level of customer service and professionalism.
Skills & Qualifications:
Minimum 5 years of mortgage processing experience.
Bilingual in Spanish (required).
Strong understanding of FHA, VA, USDA, State Bond, and Conventional loans.
Ability to manage a pipeline of 12+ files per month.
Strong attention to detail with the ability to submit "One Touch" files.
Excellent communication and problem-solving skills.
Ability to work in a fast-paced environment with tight deadlines.
High level of professionalism and confidentiality.
Proficient in mortgage software and technology.
Other details
Job Function 31-PROC
Pay Type Hourly
Min Hiring Rate $23.00
Max Hiring Rate $35.00
Associate Loan Officer
Loan Processor Job In Meridian, ID
pstrong We're searching for some really great people who enjoy customers as much as we do./strong/p pNamed as one of Puget Sound Business Journal's Best Places to Work three years running, 2021, 2022 and 2023. We are a certified Great Place to Work™ and were named a Best Workplace eight times, most recently in 2024 in the Financial Services and Insurance category./p
p /p
pCheck out our rating at: a href="************************************************************************************* rel="noopener" target="_blank"Working at Evergreen Home Loans | Great Place To Work /a/p
p /p
pstrong Wow happens every day at Evergreen. Our vision is centered on changing the world one relationship at a time. /strong/p
pLearn more about us on our website a href="************************************************************ rel="noopener" target="_blank"here/a./p
p /p
pstrong Discover what's possible with Evergreen./strong/p
pWe're looking to add people who feel the same way we do about our customers, our associates, and the work we do. In return, you'll be part of a growing, contemporary company that rewards creative thinking and believes in helping you get to where you want to be. You'll also enjoy a comprehensive benefits package and an attractive 401K plan to help you grow along with us!/p
p /p
pThe Associate Loan Officer will shadow and assist an experienced Loan Officer to learn how to prospect and market to clients and partners, meet new clients, complete applications and facilitate loan closings from application to closing. Assist with Loan Officer's marketing efforts to new and current clients and assist with administrative tasks. Acquire and retain new and existing customers. Provide excellent customer service to all Partners, Clients and Associates. /p
pstrong /strong/p
pstrong Essential Duties and Responsibilities:/strong/p
ul
li Assist Loan Officer in meeting with borrowers, taking applications, providing disclosures and following-up through closing./li
li Input Team files into LOS with accuracy to make sure the correct information is in the file./li
li Assist Loan Officer in marketing efforts to current and new clients./li
li Assist Loan Officer with administrative tasks such as status reports on loans in process, making copies and printing daily rate sheet./li
li Be available to clients and coworkers during work hours and on weekends if needed./li
li Take loan applications and pre-qualify borrowers over the phone or in person./li
li Support loan transactions from application to closing./li
li Develop relationships with Partners and their clients./li
li Provide ongoing marketing and support of existing Partners./li
li Be responsible for proactive communication with management with respect to all significant challenges or opportunities./li
li Other duties as assigned./li
/ul
p /p
pstrong Performance Expectations/strong: /p
ul
li Perform all actions in accordance with the Mission, Vision, and convictions of EHL./li
li Expected to meet production standards outlined in the Loan Origination Production Standards./li
li Provide a “WOW” experience and effectively communicate with associates, clients, partners, and vendors via phone, written communication and/or in person./li
li Seek Feedback: Host regular and timely communication with associates and Manager./li
li Be willing to assume additional responsibilities/duties/projects as they arise./li
li Have strong organization skills, the ability to learn quickly, and accuracy/timeliness in completing tasks./li
li Knowledgeable regarding mortgage processes, able to answer borrower's questions and take applications./li
li Effectively uses LOS, contact management software and Microsoft Office products./li
li Able to learn changing information regarding loan programs and able to incorporate these changes while dealing with members./li
li Work well with other members of the EHL team, and is willing and able to fill in for other EHL Loan Consultants/ Officers./li
li Perform all actions in accordance with policies and procedures of the company./li
/ul
p /p
pstrong Quality Manufacturing:/strong/p
ul
li Take full accountability for performing the work and achieving the results as agreed, and your manager is accountable for providing you with the resources and guidance needed./li
li Exceptions, problems, changes and questions are reported immediately. You are accountable for notifying your manager, and any other affected people, in writing if the work will not be performed or the results will not be achieved as agreed. Your manager will also notify you if commitments made to you cannot be achieved./li
li Your manager can assume the work is being performed as agreed unless otherwise notified./li
li Periodic check-ins between you and your manager are the main vehicle for keeping each other informed about how work is progressing./li
li Failure to notify of exceptions or missed due dates - in other words silence - is not acceptable./li
li You encourage your coworkers to communicate challenges and opportunities to their manager, rather than to fellow coworkers./li
li Relationships built on trust are developed as managers and associates keep their commitments and successful results are achieved./li
/ul
p /p
pstrong Specific Skills/ Knowledge/ Abilities Required for Position:/strong/p
ul
li Must have current Mortgage Loan Originator (MLO) license through the NMLS required per the S.A.F.E. Act of 2008./li
li High school Diploma or equivalent./li
li Minimum of one year of mortgage experience./li
li Exercise good judgment and strong character, motivated, hard working. /li
li Ability to work well with fellow associates, clients and vendors./li
li Good communication skills. Neat, clean, healthy work habits./li
/ul
p /p
pstrong Physical Requirements:/strong/p
ul
li Requires all forms of dexterity and mobility throughout the shift, which may include extended periods of sitting and/or standing. Occasionally required to reach with hands and arms, twist, climb or balance, stoop, kneel crouch or crawl./li
li Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral, depth perception and the ability to adjust focus./li
li Must be able to speak and hear, lift and carry up to twenty-five pounds (25 lbs.) or occasionally more. /li
li Ability to work in a fast-paced, occasionally noisy environment./li
li May be required to drive for business purposes and if so, must hold a driver's license in good standing and maintain personal auto insurance in compliance with EHL's Auto Insurance policy./li
/ul
p /p
pstrong Compensation: /strong/p
pHourly base pay plus, if applicable, associate may be eligible for per-file incentives, commissions, bonuses or other variable earnings as determined upon hire. Compensation depends on a number of factors including location and experience./p
p /p
pstrong Benefits and Perks:/strong/p
pEligible associates (and their families) have the option to enroll in medical, dental, and/or vision coverage of which both the associate and the company contribute towards expenses. Basic Life/ADamp;D insurance for eligible associates as well as a Short-term Disability benefit are provided by Evergreen. Additional Voluntary Life/ADamp;D, Long-term Disability benefits and Legal/ID protection plans paid for by the associate are also available. Associates are automatically enrolled in Evergreen's 401(k) plan. Personal Time Off (PTO) of up to 13.34 hours may be earned monthly and associates may enjoy 9 paid holidays each year. Paid voluntary day of work, company matching on charitable donations and mortgage loan benefit./p
p /p
pEvergreen is an equal opportunity employer and E-Verify employer.a href="*********************************** rel="noopener" target="_blank"******************************
pEqual Housing Lender/p
p /p
pspan©2025 Evergreen Moneysource Mortgage Company dba Evergreen Home Loans NMLS ID 3182. 15405 SE 37th Street, Suite 200 Bellevue, WA 98006 Equal Housing Lender. AZ Mortgage Banker License #0910074; CA Licensed by the DFPI under the CRMLA #4130291; NV Mortgage Company License 4837. Evergreen Home Loans does not represent HUD or FHA and the information provided here was not authored, approved, or endorsed by HUD or FHA. For individual and company license information visit a href="********************************** rel="noopener" target="_blank"***********************************
Loan Officer
Loan Processor Job In Meridian, ID
Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!! Description: · Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
· Uncapped commissions!
· Loan products for all borrower types!
· Add additional LO's to your team OR act as an individual LO!
· Licensed in 28 states and growing!
· Administrative, operational and compliance support provided by Corporate!
Successful Candidate Attributes:
· Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
· Maintains a database of past clients for marketing purposes.
· History of closing at least 3-5 units per month.
Loan Officer Requirements:
· An active NMLS/MLO license (required).
· Strong knowledge of lending regulations and industry best practices.
· Exceptional interpersonal and communication skills.
· Analytical mindset with the ability to assess complex financial information.
· Sales-oriented mindset with a commitment to achieving targets.
· Detail-oriented and organized.
· Proficient in relevant software and tools.
How to Apply:
Interested candidates should submit their resume detailing their qualifications and relevant experience to ***********************. Please include "Loan Officer Application" in the subject line of your email.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Loan Officer
Loan Processor Job 218 miles from Meridian
Job Details Westside - Idaho Falls, ID Full Time 4 Year Degree Up to 25% Day BankingDescription
Summary: As a Loan Officer of The Bank of Commerce, you are responsible for business development and establishing new relationships. It is expected that you will increase the bank's loan and deposit balances by developing relationships which run parallel to bank goals. An integral part of your job function is to assess a borrower's creditworthiness for potential loan transactions through detailed analysis of a borrower's financial position. As part of this process, you will accept loan applications, collect the proper financial data, underwrite potential credits, make credit decisions, and close and service loan transactions.
Essential Duties and Responsibilities:
Entry level Loan Officer position.
Reviews input from credit analysts and makes independent credit decisions on simple, lower dollar loan requests.
Works closely with upper level Loan Officers to assist in analyzing and structuring complex loan requests.
Will meet directly with customers to assess credit needs, gather underwriting materials, and eventually close loans.
Submits loans above individual lending limit to Area Managers or Senior Loan Review for approval.
Level 1 Loan Officers will be responsible for developing and maintaining a loan portfolio balance between up to $5 million.
May be expected to have operational supervision over other employees. Engages in civic and community organizations as part of the business development process.
Qualifications
Competencies: To perform the job successfully, an individual should demonstrate the following competencies:
Interpersonal
Skills
- Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
Technical Skills
- Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.
Oral
Communication
- Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions. Demonstrates group presentation skills.
Written
Communication
- Writes clearly and informatively; Able to read and interpret written information.
Ethics
- Treats people with respect and consideration regardless of their status or position; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
Organizational
Support
- Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
Professionalism
- Approaches others in a tactful manner; reacts well under pressure; accepts responsibility for own actions; follows through on commitments.
Dependability
- Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals. Completes tasks on time or notifies appropriate person with an alternate plan.
Qualifications: 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, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience: College degree in finance or business-related field is preferred and/or equivalent work experience. Should have previous banking experience or minimum three-five years related work experience.
Language Skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Physical Demands: The 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; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.
Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet.
Outside Loan Originator
Loan Processor Job 8 miles from Meridian
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.
A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down.
CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.
Position Overview:
The Outside Loan Originator (“Outside LO”) is responsible for maintaining an NMLS license required under the S.A.F.E. Act of 2008, originating, and processing real estate mortgage loans in accordance with CrossCountry Mortgage, LLC (“CCM”) processes and product guidelines.
Job Responsibilities:
Source mortgage leads.
Build business relationships with real estate agents and other lead sources.
Analyze potential loan markets and develop referral networks to locate prospects for loans.
Market CCM products to individuals and firms, promoting CCM services that may meet customers' needs.
Meet with applicants to obtain information for loan applications and answer questions about the process.
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Generate complete loan applications with corresponding documentation.
Improve loan applications and documentation by informing the applicant of additional requirements.
Help customers by answering questions and responding to requests.
Handle customer complaints and take appropriate action to resolve them.
Own the communication with the real estate agent or referral source.
Confer with processing and underwriting to aid in resolving mortgage application problems.
Maintain job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, and participating in professional organizations.
Regularly participate in activities in connection with mortgage sales, including but not limited to attend closings, open houses, and/or conduct CCM seminars/trainings and other lead-generating activities.
Mortgage coaching available.
Qualifications and Skills:
NMLS License Required under the S.A.F.E. Act of 2008.
Experience with and/or knowledge of retail product philosophy, policy, underwriting, procedures, documentation, and systems.
Experience proactively soliciting new business.
Encompass experience, preferred.
Knowledge of mortgage products and programs.
Excellent analytical skills to evaluate credit requests and determine trends in a given marketplace.
Advanced communication and collaboration skills.
Proficient in standardized software applications, including Microsoft Word, Excel, PowerPoint and Outlook.
This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.
CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ***********************************
California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants.
CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.
CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************
Mortgage Loan Officer - PAID Training Program
Loan Processor Job 8 miles from Meridian
AmeriSave Mortgage has set the standard in online mortgage lending with over $130 billion in funded loan volume. As one of the top-rated, largest privately-owned online mortgage lenders in the nation, our mission is to deliver beneficial, responsible home lending solutions with unwavering integrity, dedication and excellence.
Our employees are the driving force behind our success. We believe in the power of a dynamic and talented workforce and creating an environment where your contributions are not just recognized, they're celebrated. Your success is our success, and we are seeking skilled professionals who are ready to bring their A-game, exceed benchmarks and enhance the overall excellence of AmeriSave, while also growing and advancing their careers.
At AmeriSave, we're one team with one shared dream - to be the best. Let's redefine excellence together!
Who Makes a Great Loan Originator?
Do you like to win? Do you have persuasive skills that regularly generate positive outcomes? Have you been in a sales environment and constantly found yourself exceeding sales targets? Are you motivated by being around other people who are crushing goals and shattering records? If YES, we can't wait to meet you.
Do I Need Experience in the Mortgage Industry?
No experience is required! At AmeriSave, we provide the best hands-on PAID training program in the industry. We call that program IGNITE, where you'll have to enhance your skills and learn the business from a highly successful, skilled and talented training and management team. After the paid training program, you will join some of the most talented mortgage professionals in the industry.
Compensation? Perks?
Not only will you be obsessed with your job, but you will also have the ability to earn six figures or more. After the paid training program we offer a competitive compensation package, and your commissions are based on growth - as you exceed targets, your commission as a percentage of sales goes up with no cap on your ability to earn.
These openings to join our talented team do not become available often, and our distinguished training program is in high demand. We only are able to respond to those candidates who meet the below criteria.
What You'll Need:
* Passion for helping people achieve their dreams
* Experience selling and/or engaged in a service-oriented environment
* Self-directed, motivated, results-driven and comfortable working in an extremely fast-paced environment
* Competitive, energetic and positive attitude
* Detail oriented and demonstrate excellent decision-making skills
* Excellent written and verbal communication skills to include persuasive, selling skills
Work Schedule: Monday - Friday with some weekend hours. Candidates must be available for 2 late shifts per week (between Monday - Thursday) which will have a later start time and run until 10pm EST/7pm PST).
Remote work applicants may not work from the following states: California
* Please note that the compensation information that follows is a good faith estimate for this position only and is provided pursuant to the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules. It is estimated based on what a successful Colorado applicant might be paid. It assumes that the successful candidate will be in Colorado or perform the position from Colorado. Similar positions located outside of Colorado will not necessarily receive the same compensation.
Compensation:
The hourly rate for this position generally ranges between $10.00-$16.50, against commission based upon individual performance. Target annual compensation for this position is $50,000 - $200,000 with top performers consistently averaging over $100k per year!
Benefits:
* 401(k)
* Dental insurance
* Disability insurance
* Employee discounts
* Health insurance
* Life insurance
* Paid training
* Referral program
* Vision insurance
Supplemental pay types:
* Hourly draw
* Commissions
* Ramp up incentive
* Referral bonuses
AmeriSave is an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
California Consumer Privacy Act Disclosure Acknowledgment
Employment Applicants, New Hires, and Employees Residing in California
AmeriSave Mortgage Corporation's Privacy Policy Statement ("Policy") can be reviewed here: ********************************
AmeriSave Mortgage Corporation's California Consumer Privacy Act ("CCPA") Recruitment Disclosure can be reviewed here: ******************************************************
When AmeriSave's Human Resources Department makes future requests for personal information, the same Policy is applicable. By applying, you understand this acknowledgment covers current and future personal information requests. You also acknowledge the business purpose of the personal information collected and that future requests may occur while applying for a position at AmeriSave and/or during employment, if applicable.
Loan Officer
Loan Processor Job 8 miles from Meridian
Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.
Position Summary
The Loan Officer plays an important role in the organization by performing a variety of activities directly related to the company's Production functions. The role is primarily responsible, under moderate supervision, for providing quality relations with borrowers through completing the origination processing of application, loan disclosure, review files for adherence to underwriting standards; ensuring completeness of submission to processing. Contacts borrowers to collect necessary documentation and act as a liaison between origination staff, underwriters and customers.
Essential Functions
Obtain an accurate and thorough 1003.
Collect supporting documentation from borrower:
30 day paystubs
2 years tax returns
Last 2 years W2's
Award letters, disability, trust income, etc.
LOE for Gaps in jobs
At initial contact with borrower provide needs list and complete application
2 months bank statements
Obtain executed disclosures within regulations time frame.
Obtain accurate AUS findings.
Analyze credit report and financial scenario, determining appropriate loan product(s).
Determine (price) a profitable loan and communicate fees to ops team.
Submit a complete loan package to processing.
Note: Processing will not proceed without a complete loan file: Complete application, signed disclosures, at least 80% of what is required to obtain an UW approval.
Lock in rate.
Review CD to ensure fees and cash at closing are consistent with commitment to Customer:
Issue Lender Credit if needed
If loan out of balance, work with processor & branch manager to request subsidy
Resolve file problems, bottlenecks and qualifying issues throughout production and underwriting process.
Provide administrative support in the collection and preparation of submitting loan application with supporting documentation to processing.
Coordinate, create, track and distribute marketing materials.
Manage client and referral partner databases.
Answer customer inquiries involving rates, products and loan application status to ensure quality customer service.
Perform any other reasonable duties required by Guild Mortgage Company or Managing Loan Officer.
Qualifications
High school diploma or equivalent required.
At least two years of experience in Mortgage lending or related field.
Active NMLS License.
Ability to manage multiple priorities; strong detail orientation and highly organized.
Works with a strong sense of urgency and responsiveness.
Passionate about delivering excellence in customer service.
Demonstrated patience and professionalism when interacting with both internal and external customers.
Proficiency with data entry, PDF software programs, Microsoft Word, and Excel required.
Strong verbal and written communication skills.
Supervision
Intermittent to low supervision required, depending on experience
Apply sound judgment in execution of core job responsibilities
Travel: 0%
Requirements
Physical: Work is primarily sedentary; mobility in an office setting.
Manual Dexterity: Frequent use of computer keyboard and mouse.
Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
Environmental: Office environment - no substantial exposure to adverse environmental conditions.
Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
Loan Originator NE
Loan Processor Job 6 miles from Meridian
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.
Mortgage Loan Officer
Loan Processor Job In Meridian, ID
Job Details Meridian - Meridian, IDDescription
The Loan Officer is responsible for discussing clients needs, recommending the best loan products, helping customers put together a complete loan package and working with the underwriting team throughout the loan process.
Key Responsibilities and Accountabilities:
Develop and maintain knowledge of loan products, policies, procedures and underwriting requirements.
Collect and analyze customers financial and credit information to determine mortgage financing options.
Completes a quality loan application using Encompass, securing a locked interest rate as quoted to the client, ensuring the borrower qualifies for the loan program, collecting all supporting documentation, and handling any problems that arise during processing that may jeopardize the loan approval.
Deliver an extraordinary client experience by listening first and staying in complete and honest communication with clients both verbally and through written or electronic means.
Review active loan files each day to determine if any documents are missing or what can be done to help the process move along.
Develop and grow successful relationships with business referral sources and generate leads to gain new clients.
Maintain NMLS registration and eligibility.
Adheres to the minimum required production standards as communicated by mortgage management.
Follow industry news and information, be involved in the community and represent the bank in a professional manner.
Attend company sales meetings, trainings and bank sponsored events.
Maintain confidentiality and discretion over sensitive information.
Comply with and follow all applicable policies and procedures as well as governing laws and regulations. This includes but is not limited to: performing all assigned duties under the WVBK compliance programs and related laws and regulations. Successfully completing all mandatory compliance training as assigned in a timely manner.
Knowledge, Skills and Abilities:
Knowledge of principles and methods for showing, promoting, and selling products or services including marketing strategy, sales techniques, and lead generation skills.
Strong knowledge of mortgage industry policies and procedures.
Strong organizational and time management skills.
Ability to pay close attention to detail.
Ability to build and maintain positive and effective relationships with others.
Aptitude for self-development and learning.
Ability to analyze and comprehend financial data and to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Intermediate computer skills including: word processing, spreadsheet programs, mortgage systems software, internet and database management programs.
Ability to gather data from multiple sources, test assumptions, evaluate alternatives and make recommendations.
Ability to adapt well to change with the willingness to maintain a flexible schedule.
Ability to work within a structure, take direction and be a strong team player.
Ability to read, analyze, and interpret general business information and government regulations.
Ability to communicate clearly and effectively verbally and in writing.
Education and Experience:
2 Years of experience working in finance, banking or mortgage lending
Associates Degree in business or related field or equivalent combination of education and experience
Mental and Physical Effort: Decision making normally involves the ability to apply rules, regulations, policies and procedures to the work. Guidance and direction may be available.
Lifting equipment or files of 1-10 pounds on a regular basis, lifting equipment or boxes of 10-25 pounds on an occasion. Sits or stands for long periods of time working at a computer and typing. Uses hands to handle controls or feel objects, tools or controls. Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
Working Conditions: Works in a customer facing position in an office environment with minimal workplace hazards and low to moderate levels of noise. May deal with customers or visitors to the workplace who may be upset or pose challenges. Works during the day and during the week, some positions may require working on weekends. Occasional travel to other work sites, conferences, training or meetings may be required.
A Mortgage Loan Consultant with Willamette Valley Bank must be highly ethical and have respect for our clients and our brand. Continually and proactively identifies, develops and maintains a quality network of business relationships that serves as a recurring of referrals for new mortgage lending opportunities. Mortgage Loan Consultants ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements.
Loan Specialist/ Loan Officer
Loan Processor Job 8 miles from Meridian
Each Guardian Mortgage Loan Officer brings happiness and security to our clients by matching them to financially successful home mortgage loans in a timely, accurate and complaint manner. Provide sales support and strong communication to customers, processors, and management from loan pre-qualification to loan closing.
Complete mortgage applications using GMC loan product system, including initial Mortgage policy and government regulations.
Maintain in good standing all Loan Officer Licenses in State(s) for which Loan Officer is authorized to conduct business and performs services.
Pre-Qualify potential borrowers according to policies and procedures and applicable law, collect and analyze each applicant's financial information and assess financial circumstances to determine whether applicant and property qualify for a particular loan.
Assist potential borrowers in identifying and securing a mortgage loan appropriate for individual financial circumstances.
Make inquiries of verified and documented information with respect to applicant's income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of the property.
Advise potential borrowers of risks/benefits of loan alternatives, including options & variables. Obtain and present loan options for each type of loan transaction the potential borrower has expressed interest (e.g., a fixed-rate loan, adjustable rate loan, etc.).
Maintain high level knowledge of changes in market conditions, loan products & variations, and compliance.
Consistently hit ongoing deadlines regarding loan originations, etc.
Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs, and state/federal law and regulation.
Other duties as assigned.
Additional Information
For any queries or to discuss this opportunity in detail please call me back on ************
Loan Servicing Specialist
Loan Processor Job 10 miles from Meridian
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The Loan Servicing Specialist is responsible for performing all servicing and operational aspects relative to the loan portfolio. The position will partner with all business within the Bank to offer exceptional customer service to both internal and external customers.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Ensure timely completion of payment processing and loan boarding
Verifies completeness and accuracy of all loan files with necessary documentation and signatures
Process Non-Accrual and charge-off transactions
Review Outside Council Loan Documents
Process loan recoveries
Process incoming demand requests, incoming wires and payoffs, release of collateral
Follow up and tracking of collateral and flood insurance
Maintain collateral files and documentation
Weekly, Monthly and Annual GL Balancing & Reconciliation as needed
Board loans of a complex nature ensuring accuracy of the loan data
Assist in callback duties for loan payments, advances and new loans
Follow up on servicing tickler reports
Provide feedback and assist new hires as needed
ADDITIONAL RESPONSIBILITIES
Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers and management
Demonstrates high level of quality work, attendance and appearance
Adheres to all Company Policies & Procedures and Safety Regulations
Adheres to local, state and federal laws
Understands and complies with all company rules and regulations
Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
Additional duties as assigned as it relates to the position
SUPERVISORY RESPONSIBILITIES
This position does not have supervisory responsibilities
MINIMUM QUALIFICATIONS
Ability to provide courteous, knowledgeable and professional customer service both in person and on the telephone.
Strong skills operating a personal computer including Microsoft Word, Microsoft Excel, Microsoft Outlook and navigating the internet.
Ability to perform accurate data input into a variety of software.
Knowledge of loan processing practices, methods and procedures.
Knowledge of Commercial, Real Estate and Consumer loan files and documents.
COMPETENCIES:
Adaptability
Communication
Decision Making
Initiative
Innovation
Motivator
Organization
Professionalism
Results Orientated
Loan Officer
Loan Processor Job 8 miles from Meridian
Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.
Position Summary
The Loan Officer plays an important role in the organization by performing a variety of activities directly related to the company's Production functions. The role is primarily responsible, under moderate supervision, for providing quality relations with borrowers through completing the origination processing of application, loan disclosure, review files for adherence to underwriting standards; ensuring completeness of submission to processing. Contacts borrowers to collect necessary documentation and act as a liaison between origination staff, underwriters and customers.
Essential Functions
* Obtain an accurate and thorough 1003.
* Collect supporting documentation from borrower:
* 30 day paystubs
* 2 years tax returns
* Last 2 years W2's
* Award letters, disability, trust income, etc.
* LOE for Gaps in jobs
* At initial contact with borrower provide needs list and complete application
* 2 months bank statements
* Obtain executed disclosures within regulations time frame.
* Obtain accurate AUS findings.
* Analyze credit report and financial scenario, determining appropriate loan product(s).
* Determine (price) a profitable loan and communicate fees to ops team.
* Submit a complete loan package to processing.
Note: Processing will not proceed without a complete loan file: Complete application, signed disclosures, at least 80% of what is required to obtain an UW approval.
* Lock in rate.
* Review CD to ensure fees and cash at closing are consistent with commitment to Customer:
* Issue Lender Credit if needed
* If loan out of balance, work with processor & branch manager to request subsidy
* Resolve file problems, bottlenecks and qualifying issues throughout production and underwriting process.
* Provide administrative support in the collection and preparation of submitting loan application with supporting documentation to processing.
* Coordinate, create, track and distribute marketing materials.
* Manage client and referral partner databases.
* Answer customer inquiries involving rates, products and loan application status to ensure quality customer service.
* Perform any other reasonable duties required by Guild Mortgage Company or Managing Loan Officer.
Qualifications
* High school diploma or equivalent required.
* At least two years of experience in Mortgage lending or related field.
* Active NMLS License.
* Ability to manage multiple priorities; strong detail orientation and highly organized.
* Works with a strong sense of urgency and responsiveness.
* Passionate about delivering excellence in customer service.
* Demonstrated patience and professionalism when interacting with both internal and external customers.
* Proficiency with data entry, PDF software programs, Microsoft Word, and Excel required.
* Strong verbal and written communication skills.
Supervision
* Intermittent to low supervision required, depending on experience
* Apply sound judgment in execution of core job responsibilities
* Travel: 0%
Requirements
* Physical: Work is primarily sedentary; mobility in an office setting.
* Manual Dexterity: Frequent use of computer keyboard and mouse.
* Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
* Environmental: Office environment - no substantial exposure to adverse environmental conditions.
Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
Mortgage Loan Officer / Home Loan Specialist - Bilingual
Loan Processor Job 230 miles from Meridian
Job Details Rexburg ID - Rexburg, ID Full Time Sales
Why Churchill Mortgage? We provide our Loan Officers the systems and processes that allow them to close more loans, faster and with the highest customer service ratings. Our Operations Team truly takes ownership of the process; delivering an enjoyable and referable experience to every customer, every time no excuses. Our systems & processes allow you to spend more time originating, building relationships and generating new clients.
Our Commitment to You: We're here to help you close business, not put up roadblocks. As a team we all operate under the maxim of supporting you, in every way possible. You'll be instantly impressed at the level of service and attention you receive. In fact, many of our new hires tell us that they keep pinching themselves after 2-3 months. It's that good here.
We would like to talk with you if you love serving clients, are experienced, and have the heart of an educator. Looking for well qualified originators that focus on file quality.
Responsibilities
Educate customers on best financing solutions
Manage a large pipeline of loans
Originate and make sales of loan packages to customers, including meeting and counseling with customers at their homes and offices.
Engage in marketing, promotion and business development activities in support of sales, including calling on real estate agents and brokers, financial advisors and other potential referral sources.
Provide applicants with information regarding the loan application process.
Oversee all customer interactions and ensure a smooth transaction by interfacing with Realtors and Processors
Other duties may be applicable as business needs may dictate and as assigned by management.
Qualifications
Candidate must be fluent in English and Spanish and have excellent written & verbal communication skills in both languages
Dedicated to growing yourself and your skills
Active NMLS license
2+ years of self-gen mortgage origination experience required
Knowledge of basic loan programs and loan structuring needed for success
Desire to grow and be coachable with the best leadership in the industry
Must be able to pass a criminal history information background check. Other duties may be applicable as business needs may dictate and as assigned by management. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. If you are working from home, you must have access to reliable, high-speed internet (not satellite; Minimum of 25 Mbs download speed and 15 Mbs upload speed).
Benefits
Churchill Mortgage's generous benefits package is available to all full-time employees. This includes Medical, Dental, Vision, HSA, FSA, Life, Disability, Accident, Cancer, Critical Illness, 401(k) & ESOP (Employee Stock Ownership Program).
Employees Own the Company
Our ESOP was established by founder and president, Mike Hardwick, in 2013. It gives all current and future Churchill Mortgage employees ownership of the company in the form of company stock. Churchill Mortgage is the first privately-owned mortgage company to offer an Employee Stock Ownership Program (ESOP).
Churchill Mortgage Corporation is an Equal Opportunity Employer
Mortgage Loan Officer - ID
Loan Processor Job In Idaho
Full-time Description
Canopy Mortgage is hiring a full-time Branch Managers and Loan Originators who want the control of a banker with great pricing.
Candidates will be responsible for developing referral partners in his or her local territory, generating loan volume and interfacing with the borrower. We need originators who have a passion for challenging the status quo, want to be digitally relevant, and take control of their local market.
We've been revolutionizing the mortgage process for the last 10 years by building proprietary systems that increase efficiencies across the entire life of the loan, enabling our teams to do more volume with less effort.
This is a totally new and unique opportunity in the mortgage industry that will give you state of art proprietary systems, great pricing, and complete control of your loans with in-house underwriting and funding. This opportunity is full-commission for seasoned LO's who want to produce with the aid of industry leading tech and support. If your tired of legacy costs, middle management, and non-producers driving up your loan pricing, apply today.
Hiring Loan Officers licensed in every state except New York.
Requirements
Minimum 2 years' experience and NMLS Safe Act compliant
1 active state license
Established contacts/referral partners
Knowledge of different types of loans and credit bureaus
Working history of loan process and general underwriting guidelines
Funding 1 million in self-generated production
College preferred, not required with proven mortgage experience
Proven track record of proactively soliciting new business
Strong communication skills and detail oriented
Ability to work independently and remote