Mortgage Loan Officer
Loan Processor Job In Portland, OR
DC Lending is growing, and we're looking for the right Mortgage Loan Officers to join our team. We're not your typical mortgage brokerage - we're all about creating the best possible platform for our team to win from. We've heard of too many people who don't love the place where they work or are getting taken advantage of by their comp structure or corporate interference.
Here's what we bring to the table:
Competitive comp plan-because your hard work should pay off
Processing/Support that keeps things smooth and efficient
Cutting-edge tech and marketing support to help you grow
A culture that actually puts people first-both clients and our team
What we're looking for:
A licensed Loan Officer with experience in residential lending
Someone who values relationships and isn't just chasing deals
A self-starter who wants to grow their business the right way
A team player-because we win together
We take pride in making mortgages simple, clear, and stress-free for our clients. If that sounds like the kind of place where you'd thrive, let's talk!
Home Loan Processor II
Loan Processor Job In Vancouver, WA
Take a leap and join our team! At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. But it's how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.
Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
Get to know us: About - Gesa Credit Union
Role Summary:
The Home Loan Processor II position is responsible for ordering, gathering, reviewing, and preparing required loan documents for all residential mortgage loans. This includes ensuring all loan conditions are fulfilled and the loan meets all credit union, regulatory, and secondary market guidelines. This position has advanced, wide-ranging job knowledge and has demonstrated the ability to handle increased responsibilities in addition to the Loan Processor I role.
What You Will Be Doing:
* Review loan application for accuracy, compliance, and completeness ensuring that all loans are prepared and processed to comply with regulatory, lending, investor and secondary market guidelines and policies.
* Order appraisals, title commitments, tax transcripts, income verifications, government case numbers, fraud, and compliance reports.
* Effectively communicate and collaborate with borrower(s), loan officers, realtors, vendors and Operations staff providing status updates and outstanding items to facilitate an organized, accurate, and timely closing.
* Review, collect, and fulfill underwriting conditions.
* Evaluate appraisals, title policies, credit reports, and income verifications.
* Examine supporting documentation and investigate any inconsistencies to identify potential fraud or misrepresentation.
* Ensure re-disclosures are prepared and delivered to the member within regulatory guidelines based on identified change in circumstance.
* Prepare and deliver documents in an accurate and timely manner adhering to regulatory requirements.
* Coordinate loan closing, recording, and funding with escrow.
* Review signed closing documents to ensure accuracy, proper execution, and completeness.
* Prepare and disburse loan.
* Perform post-closing responsibilities including packaging and shipping investor loans.
* Prioritize and monitor daily workload to meet company timeline expectations and lock expirations.
* Meet minimum monthly goals established by management.
* Maintain a thorough working knowledge of all credit union mortgage products.
* Control risk and perform duties in a safe and sound manner maintaining awareness of policies and regulations related to duties and responsibilities.
* Understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
* Attend credit union training sessions, conferences, or seminars as directed and approved by leadership.
* Maintain a dependable record of attendance and commitment.
* Maintain a professional, courteous, and friendly attitude and display mutual respect, trust, and dignity while acting in the best interest of the credit union. Lead by example always displaying solid ethics and integrity.
* Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.
* Willingly perform other job-related projects and duties as assigned, self-initiating assistance and requesting assistance from team members when appropriate.
About You:
* Exhibited ability to perform with a high level of accuracy and attention to detail.
* Proven ability to effectively communicate ideas and information both orally and in writing.
* Demonstrated success in a deadline driven environment: adapting to changes and prioritizing competing demands.
* Established in consistently contributing to positive moral of the team.
* Consistently display interpersonal skills to relate effectively and professionally to peers and all levels of management.
* Proven ability to work collaboratively in a diverse work group as well as independently with minimal supervision.
Qualifications
What You Will Need:
* High school diploma or equivalent completion of specialized course of study, training, and experience Minimum of two years of mortgage processing experience required.
* One year experience processing Correspondent, FHA and VA loans preferred.
* Knowledge in reviewing and analyzing basic income calculations.
* Experience with loan origination software, electronic file storage systems, and AUS required.
* Proficient with standard Microsoft Office Suite.
* Some travel is required to achieve training and business objectives.
* Valid Driver's License is required.
Our Team Member Value Proposition:
In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:
* Competitive Pay
* Medical, Dental, Vision, and Life Insurance
* 20 days/year of Paid Time Off - Plus 10 Paid Holidays!
* 401(k) Match
* Incentive Program
* Tuition Assistance and Student Loan Repayment
* Commuter Benefits
* Paid Time Off to Volunteer in the Community
* Product discounts
* Engaging Work Environment
* Rewards and Recognition Programs
Salary Range:
$25.34 - $38.00
Get wise to what's possible with a career at Gesa. Join us!
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at ************** or *************** to request an accommodation.
Gesa Credit Union reserves the right to revise or change the as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre-employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Equal Employment Opportunity (gesa.com)
Assistant Loan Officer / Credit Analyst
Loan Processor Job In Salem, OR
The Assistant Loan officer / Credit Analyst works with Commercial Loan Officers by providing full administrative support while also assisting clients directly. You will provide diversified support to the initiation, growth and management of commercial loan accounts.
We are proud to offer a competitive salary and compensation package that includes: Medical, Dental and Vision Insurance, 401(k), Life and Long-Term Disability Insurance, Profit Sharing, Health & Dependent Care Reimbursement Accounts, Employee Assistance & Wellness Program, Vacation & Sick Leave, up to 11 Paid Holidays, Tuition Reimbursement, and Banking Privileges.
Hours: Mon-Fri 8:00am - 5:00pm; On-Site/non-exempt hourly/Full-Time
Salary: $48,000 to $78,000 per year, depending on circumstances
Responsibilities:
Overall
Analyze and interpret financial and non-financial underwriting items.
Develop and maintain strong relationships with co-workers and customers.
Maintain knowledge of and compliance with banking regulations and bank policies
Loan Application and Renewal Process
Develop and maintain lists of key information necessary to support the loan process.
Work with loan officer and applicants to develop the loan underwriting package.
Investigate, interpret and analyze credit reports.
Spread, interpret and analyze financial information.
Discuss underwriting findings with loan officers.
Prepare detailed loan presentations for the approval process.
Compile non-financial underwriting to support the loan closing process.
Portfolio Management
Organize and manage workflow.
Assist in resolving routine and complex inquiries.
Assist with maintaining commercial loan portfolios.
Ensure appropriate maintenance of paper and digital files.
Qualifications:
Bachelor's degree in business, Finance, Accounting or equivalent combination of education and experience
Thorough understanding of basic principles of accounting and financial analysis
Microsoft Office/Computer Knowledge required
Bank credit policies and procedures knowledge desired
Credit analysis and analytical skills required
Excellent internal and external customer service required
Physical & Mental Requirements:
Ability to sit/stand at a computer monitor for extended periods of time.
Ability to perform repetitive finger, hand and arm movements.
Ability to lift up to 35 lbs.
Ability to effectively discern information and formulate appropriate action.
Ability to reach, squat, bend and manually manipulate standard office equipment.
Ability to think critically and provide appropriate action.
Disclaimer:
Pioneer Trust Bank, N.A. is an Equal Opportunity and Affirmative Action employer and is committed to employing a diverse workforce. Qualified applicant will receive consideration without regard to race, color, religion, sex, pregnancy, national origin, age, sexual orientation, gender identity, military or veteran status, or disability. All offers are contingent upon the candidate successfully passing a credit check, criminal background and pre-employment drug screening.
Mortgage Processor/Closer
Loan Processor Job In Portland, OR
Kelly Services, Inc. is a Fortune 500 company headquartered in Troy, Mich., providing employment to more than 700,000 employees annually, with skills including office services, accounting, engineering, information technology, law, science, marketing, light industrial, education, health care and home care. Kelly Services is an Equal Opportunity Employer.
Job Description
Reviews loan file for completeness and accuracy prior to submitting file to Closing Department for doc prep and funding. Coordinates with loan processor in collection and examination of key documents, examines and validates specific documents to ensure compliance with Bank, regulatory and investor guidelines.
Qualifications
One to two years of experience processing or closing mortgage files
Thorough knowledge of mortgage closing/funding process
Strong knowledge and understanding of RESPA requirements
High School Diploma/GED
Additional Information
All your information will be kept confidential according to EEO guidelines.
Team Loan Originator NE
Loan Processor Job In Portland, OR
Under the direction of the Lead/Primary Loan Originator, performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers and markets and promotes PrimeLending products and services to the teams client base of realtors, builders, bank officers and potential and past clients. In addition acts as a liaison between the Lead/Primary and/or other team loan originators, in-process customers and branch operations staff.
Responsibilities
Markets and promotes PrimeLending's financial products;
Team Originators will not be subject to the minimum personal production standards for Loan Originators in order to qualify for a team relationship.
Handles loan volume as directed by each team loan originator in a timely and efficient manner, while obtaining working knowledge of Company products as well as private and Government insured mortgage guidelines.
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.
Schedules appointments with potential customers for the team loan originator(s).
Interacts and interfaces with all parties involved in each individual loan transaction from application to closing.
Obtains all necessary support documents including the appropriate fees and collects additional documents and promptly communicating loan status to all interested parties. Obtains remaining or uncollected loan documentation after closing.
Negotiates terms and conditions of loans with customers.
Stays abreast of 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.
Meets customer service standards as outlined by management.
Other functions as needed.
Qualifications
High school diploma or equivalent and appropriate licenses as required by state.
One to two years of sales or mortgage banking experience preferred.
Valid driver's license and current automobile liability insurance.
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.
An ability to quickly assess and process large amounts of information, and must be able to use designated technology.
Must continue to expand knowledge of issues influencing the industry and the organization.
Must be organized and detail-oriented and possess ability to prioritize work load based on loan volume.
Must be proficient in required origination technology and use of other office equipment.
Must maintain confidentiality of borrower and/or company information.
*In accordance with U.S. Department of Labor Regulation Part 541-Exemptions under the Fair Labor Standards Act (FLSA) Section 13(a)(1) employees who meet certain tests will qualify for Exempt Status.
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.
Mortgage Loan Officer / Home Loan Specialist - Bilingual
Loan Processor Job In Portland, OR
Job Details Portland OR - Portland, OR Full Time SalesDescription
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
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
Loan Officer
Loan Processor Job In Portland, OR
Mortgage Trust is seeking Loan Officers!
We exist to empower our employees, clients, and referral partners to build wealth. Does that resonate with you?
Us
We employ people who can contribute, grow, think, dream, create, and maintain a positive attitude.
We provide excellence to our clients - with respect, transparency, equity, and honesty.
We are more than “just another mortgage company.” The conversations we have and the resources we use with our clients revolve around their holistic financial lives.
We consistently evaluate and improve every aspect of our business.
We care about each other and have each other's backs.
We work hard, play hard, and give back to our community.
You
Are you driven, motivated, competitive, hungry, and humble?
Do you focus on referrals only - realtors, financial professionals, past clients, etc.?
Do you close $2M+ per month in a normal environment?
Are you a team player - willing to collaborate with other loan officers?
Do you believe in a wealth-building philosophy, of which mortgages are an essential tool?
Why Mortgage Trust
We assure our Loan Officers (LOs) are focused on their highest and best use: cultivating client relationships, qualifying borrowers, and finding optimal loan solutions. Therefore, our LOs spend very, very little time on any administrative or processing duties. Setting up files, obtaining documentation, and chasing down conditions - as well as all primary communications with everyone involved in a transaction - are handled by assistants and processors. We feel so strongly about this model we're willing to pay for it:
After 1 quarter of 15 closed loans, MTI will pay $37,500/year toward an assistant (plus their benefits)
After 2 consecutive quarters of 20 closed loans, MTI will pay $75,000/year toward an assistant (plus their benefits)
Additionally, after 2 consecutive quarters of 30 closed loans, MTI will pay for an LO-dedicated processor
We are small, local, and nimble. We've worked for large, national mortgage companies, and… well, let's just say that's not our cup of tea. We were very small cogs in a very large machine, and that became more and more frustrating to us over time.
Interest rates matter. We don't need to get into the minutiae of why independent mortgage banks (Fairway, Guild, Academy, Caliber, etc.) have higher-than-market rates, but they all do. We've done multiple interest rate searches of most of the big banks and local credit unions over the past few months. Mortgage Trust's rates are lower than all of them. By cutting out a lot of fat that comes with a large company, we're able to offer very low rates. While we don't think rates should be the primary factor in determining which mortgage lender to use, they are obviously a big piece of the puzzle. We're happy to know that we're now as competitive as any lender out there.
Mortgage Trust offers our loan officers:
Commission based on 1.2% of your funded loan amounts
Health insurance starting on the first of the month following your start date. This includes medical and vision through Regence Blue Cross Blue Shield and dental through Moda (Delta Dental or Willamette Dental). We pay 100% of the employee premium for the base plan (there are three plan levels available). Alternative plans and/or dependent coverage is available as a pre-tax employee expense.
Two Flexible Spending Accounts (FSA) are also available starting on the first of the month following start date. Employees are able to deduct pre-tax money for out-of-pocket medical expenses and dependent care costs. Limited rollover of FSA funds from one plan year to another is available.
At Mortgage Trust, we value all employees and job candidates as unique individuals, and we welcome the variety of experiences they bring to our company. We believe everyone should be treated equally regardless of race, sex, gender identification, sexual orientation, national origin, native language, religion, age, disability, marital status, citizenship, genetic information, pregnancy, or any other characteristic protected by law.
Mortgage Loan Officer - PAID Training Program
Loan Processor Job In Portland, OR
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 In Lake Oswego, OR
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 Officer Outside Sales
Loan Processor Job In Vancouver, WA
- Responsibilities/Duties/Functions/Tasks
The main function of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts.
Originates their own sales by contacting prospective clients,
· Develops and maintains referral sources,
· Spends at least one or two hours a day, two or more times a week outside of the office (including a home office), originating loans,
· Meets with prospective clients at locations other than PRMI's offices, e.g., client's home or other locations,
· Meets with clients in person to sell mortgage loan products/packages,
· Contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts,
· Obtains credit information and necessary documentation for application process,
· In-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads,
· Engages in marketing and promotional activities in support of their own sales,
· Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.
· Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs
· Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines
· Analyzes and exercises independent judgment and discretion in advancing PRMI's business objectives and the interests of PRMI's customers regarding significant financial decisions
· Carries out major assignments affecting business operations of the employer or the employer's customers through:
collecting and analyzing information regarding the customer's income, assets, investments, or debts
analyzing applicant data, credit and collateral property value
determining which financial products best meet the customer's needs and financial circumstances
providing advice to the customer regarding the advantages and disadvantages of available financial products
marketing, servicing, or promoting the employer's financial products
· Completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries
· Provides origination services in the state of licensure
· Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities
· Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings
Qualifications
· Sales experience in the mortgage industry is preferred
· Familiarity with mortgage processes, procedures, rules, regulations, and compliance
· Exceptional customer service skills with a strong attention to detail
· Excellent written and verbal communication skills
· Strong computer skills to include a working knowledge of MS Office
· Ability to comprehend and analyze financial information
· Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
· Established contact and referral list within the real estate and mortgage industries preferred
· Ability to pass a required background check
Company Conformance Statement
In the performance of assigned tasks and duties all employees are expected to conform to the following:
Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines.
Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities.
Contribute to establishing a respectful workplace where diversity is critical to innovation and growth.
Ensure every action and decision is aligned with PRMI values.
Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at PRMI.
Realize team synergies through networking and partnerships across PRMI.
Embrace change; act as advocate and role model, promoting an approach of continuous improvement.
Maintain a high standard of customer care while actively listening to customers in an effort to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of PRMI competencies in providing solutions.
Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.
Work effectively as a team contributor on all assignments.
Perform quality work within deadlines.
Respect client and employee privacy.
Maintain eligibility for FLSA classification as Outside Sales Exempt, and complete the bi-annual certification process
Work Requirements
Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. Employment with PRMI requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as PRMI policies. The ability to work extended hours may be required.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.
Loan Officer
Loan Processor Job In Beaverton, OR
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.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Loan Officer
Loan Processor Job In McMinnville, OR
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.
Real Estate Loan Specialist I - Salem, NH
Loan Processor Job In Salem, OR
It's fun to work in a company where people truly BELIEVE in what they're doing!
We're committed to bringing passion and customer focus to the business.
Service Credit Union is seeking a Real Estate Loan Specialist where you will be responsible for providing superior service to members and prospective members seeking real estate loan products and services with Service CU.
Pay: Starting at $20.43 per hour. Flexible based on experience.
Hours: Full time, Negotiable hours.
Work location: Salem, NH. Hybrid schedule available.
Benefits Include:
Great health and dental benefits starting day one!
PTO, long-term disability, and paid holidays.
401k with 8% company contribution after one year of employment.
Paid leave policy after 12 consecutive months of employment.
Free confidential mental health support program with Talkspace
Free identify theft protection through IdentityForce.
Tuition reimbursement.
Training and career growth opportunities.
The Day to Day:
Interview applicants to develop information concerning their needs and desires to assist in meeting their financial goals with Service Credit Union products and services. This includes, but is not limited to, general inquiries, pre-qualification requests and oral, written and web applications.
Obtain and analyze all pertinent financial and credit data required to effectively evaluate loan requests and acceptable level of risk to recommend approval or denial.
Maintain effective applicant journals to provide consistent member follow up to ensure maximum loan penetration.
Manage their Pro Account in our POS System with follow-up e-mails and phone calls in effort to assist a member in future Real Estate Lending products.
Perform other job related duties as assigned.
Experience and Qualifications:
Must be registered with the Nationwide Mortgage Licensing and Registry and obtain a unique identifier in accordance with the SAFE Act and NCUA Regulation.
Must have verifiable successful experience in real estate loan originations or applicable related experience.
Knowledge of secondary market (FNMA, FHLMC & FHLB) underwriting guidelines.
Willingness to work extended hours, including weekends as needed.
Excellent verbal and written communication skills.
Detail oriented.
Good organizational skills with proven ability to multi-task.
Proficient knowledge of Microsoft products.
Proven analytical skills.
Minimum one year experience in first mortgage origination or related experience required.
High school diploma or equivalent required.
If you are interested in applying your Real Estate loan origination and underwriting skills to further your career and enjoy working in a collaborative, fun environment where success is rewarded, Service Credit Union is the place!
Join us today!
Equal Opportunity Employer
Home Loan Processor II
Loan Processor Job In Vancouver, WA
Job Details Experienced Vancouver Loan Office - Vancouver, WA Full Time - Hourly High School $25.34 - $38.00 HourlyDescription Take a leap and join our team!
At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. But it's how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.
Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
Get to know us: About - Gesa Credit Union
Role Summary:
The Home Loan Processor II position is responsible for ordering, gathering, reviewing, and preparing required loan documents for all residential mortgage loans. This includes ensuring all loan conditions are fulfilled and the loan meets all credit union, regulatory, and secondary market guidelines. This position has advanced, wide-ranging job knowledge and has demonstrated the ability to handle increased responsibilities in addition to the Loan Processor I role.
What You Will Be Doing:
Review loan application for accuracy, compliance, and completeness ensuring that all loans are prepared and processed to comply with regulatory, lending, investor and secondary market guidelines and policies.
Order appraisals, title commitments, tax transcripts, income verifications, government case numbers, fraud, and compliance reports.
Effectively communicate and collaborate with borrower(s), loan officers, realtors, vendors and Operations staff providing status updates and outstanding items to facilitate an organized, accurate, and timely closing.
Review, collect, and fulfill underwriting conditions.
Evaluate appraisals, title policies, credit reports, and income verifications.
Examine supporting documentation and investigate any inconsistencies to identify potential fraud or misrepresentation.
Ensure re-disclosures are prepared and delivered to the member within regulatory guidelines based on identified change in circumstance.
Prepare and deliver documents in an accurate and timely manner adhering to regulatory requirements.
Coordinate loan closing, recording, and funding with escrow.
Review signed closing documents to ensure accuracy, proper execution, and completeness.
Prepare and disburse loan.
Perform post-closing responsibilities including packaging and shipping investor loans.
Prioritize and monitor daily workload to meet company timeline expectations and lock expirations.
Meet minimum monthly goals established by management.
Maintain a thorough working knowledge of all credit union mortgage products.
Control risk and perform duties in a safe and sound manner maintaining awareness of policies and regulations related to duties and responsibilities.
Understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
Attend credit union training sessions, conferences, or seminars as directed and approved by leadership.
Maintain a dependable record of attendance and commitment.
Maintain a professional, courteous, and friendly attitude and display mutual respect, trust, and dignity while acting in the best interest of the credit union. Lead by example always displaying solid ethics and integrity.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.
Willingly perform other job-related projects and duties as assigned, self-initiating assistance and requesting assistance from team members when appropriate.
About You:
Exhibited ability to perform with a high level of accuracy and attention to detail.
Proven ability to effectively communicate ideas and information both orally and in writing.
Demonstrated success in a deadline driven environment: adapting to changes and prioritizing competing demands.
Established in consistently contributing to positive moral of the team.
Consistently display interpersonal skills to relate effectively and professionally to peers and all levels of management.
Proven ability to work collaboratively in a diverse work group as well as independently with minimal supervision.
Qualifications What You Will Need:
High school diploma or equivalent completion of specialized course of study, training, and experience Minimum of two years of mortgage processing experience required.
One year experience processing Correspondent, FHA and VA loans preferred.
Knowledge in reviewing and analyzing basic income calculations.
Experience with loan origination software, electronic file storage systems, and AUS required.
Proficient with standard Microsoft Office Suite.
Some travel is required to achieve training and business objectives.
Valid Driver's License is required.
Our Team Member Value Proposition:
In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:
Competitive Pay
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off - Plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product discounts
Engaging Work Environment
Rewards and Recognition Programs
Salary Range:
$25.34 - $38.00
Get wise to what's possible with a career at Gesa. Join us!
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at ************** or *************** to request an accommodation.
Gesa Credit Union reserves the right to revise or change the as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre-employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Equal Employment Opportunity (gesa.com)
Mortgage Processor/Closer
Loan Processor Job In Portland, OR
Kelly Services, Inc. is a Fortune 500 company headquartered in Troy, Mich., providing employment to more than 700,000 employees annually, with skills including office services, accounting, engineering, information technology, law, science, marketing, light industrial, education, health care and home care. Kelly Services is an Equal Opportunity Employer.
Job Description
Reviews loan file for completeness and accuracy prior to submitting file to Closing Department for doc prep and funding. Coordinates with loan processor in collection and examination of key documents, examines and validates specific documents to ensure compliance with Bank, regulatory and investor guidelines.
Qualifications
One to two years of experience processing or closing mortgage files
Thorough knowledge of mortgage closing/funding process
Strong knowledge and understanding of RESPA requirements
High School Diploma/GED
Additional Information
All your information will be kept confidential according to EEO guidelines.
Loan Originator NE
Loan Processor Job In Portland, OR
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.
Mortgage Loan Officer - PAID Training Program
Loan Processor Job In Portland, OR
Description 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 In Gresham, OR
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.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Loan Officer
Loan Processor Job In Happy Valley, OR
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 (Greater Oregon)
Loan Processor Job In Lake Oswego, OR
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.