Loan Officer

2 weeks ago


Charlotte, United States GenHome Mortgage Corporation Full time
Job DescriptionJob Description

About Open Mortgage LLC

Open Mortgage exists to empower the American dream of home ownership. Open Mortgage is a financially stable, experienced, and reliable Mortgage Banker that has been in business for 20 years, with exciting plans for growth. We combine the strength and resources of a national lender with the support, approach, and flexibility of a family-owned operation. Open Mortgage believes that Better is Possible®. We are committed to providing our originators with the cutting-edge technology, products, tools, and service they need to achieve greatness in today’s “high tech - high touch” market. We currently operate nationwide, in most states in the USA.

For Qualified Candidates, We Offer

  • A comprehensive suite of benefits, including Company-paid long-term disability
  • 401k plan, with Company match
  • A relaxed and fun team-oriented environment

Job Summary

Loan Officers are responsible for discussing client’s needs, recommending the best loan products, helping customers put together a complete loan package and working with the underwriting team throughout the loan process.

Job Duties

  • Meet with customers to determine their needs and recommend the right loan products to help meet their goals
  • Maintain an active knowledge base of all of the organization’s loan products and an understanding of the qualifications required of each applicant
  • Identify and recommend products that meet the customer’s needs and the organization’s lending guidelines
  • Review active loan files each day to determine if any documents are missing or what can be done to help the process along
  • Utilize professional judgment to determine which potential borrowers represent good risk opportunities for the organization
  • Evaluate loan applications and documentation by confirming credit worthiness
  • Improves loan applications and documentation by informing applicant of additional requirement
  • Approve loans by issuing checks or forwarding applications to loan committee
  • Complete loan contracts by explaining provisions to applicant, obtaining signatures and notarization, and collecting fees
  • Keep loan information confidential
  • Update job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, or participating in professional

Competencies

  • Customer Service - Understands and maintains client needs and relationships, internal and external, as the primary driver of work goals and activities. Values and earns customer trust and respect through meeting and exceeding client expectations
  • Organization Skills - Obtains excellent organizational abilities that benefit the workflow of this role
  • Attention to Detail - Looks for ways to improve and promote quality of work and demonstrates accuracy and thoroughness
  • Communication - Clearly conveys information and ideas through a variety of media - written, verbal and digital - to individuals and groups in a manner that engages the audience and helps them understand and retain the message. Demonstrates high level of professionalism

Minimum Qualifications

  • Current registration under the National Mortgage Licensing System and Registry
  • Proven track record of successfully working with multiple referral sources
  • Strong knowledge of home purchase transactions
  • 2+ years of experience in the consumer loan industry
  • 2+ years of experience in the mortgage industry
  • Ability to manage a pipeline and fund at least 2 loans per month
  • Good working knowledge of loan underwriting guidelines, processing and closing functions
  • Ability to work under pressure
  • Excellent customer service and communication skills



Open Mortgage, LLC is an Equal Opportunity Employer that welcomes diversity including but not limited to Minorities/Females/Veterans/Disability/LGBTQIA.


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