Mortgage Loan Originator

1 month ago

houston, United States Lock It Lending Full time

Company Description

Lock It Lending - All Stars is a premier mortgage lending company located in the Westchase area in Houston, TX.

Our team of outstandingly proficient and top-performing loan officers close 10 loans a month on average, which stands in stark contrast to the industry average of less than 0.2 loans closed per month. We're a dynamic and forward-thinking team that values diversity and innovation. Our mission is to make the mortgage process as efficient and stress-free as possible for our clients.


Position Overview:

As a Loan Processor at Lock It Lending, you'll play a crucial role in our operations. While previous mortgage processing experience is not mandatory, we are looking for individuals who possess key attributes such as optimism, a structured approach to tasks, strong spatial visualization, responsiveness, and excellent social skills. If you're ready to embark on a rewarding career with Lock It Lending and possess the desired attributes for this role, we encourage you to apply. Your experience and skills are important, but we also value your personality and attitude.


Key Responsibilities:

  • Review loan applications: Analyze mortgage loan applications to ensure all necessary documentation (credit reports, income verification, tax returns, property appraisals, etc.) is included and accurate.
  • Verify borrower information: Cross-check financial documents, employment history, income statements, and credit scores to verify borrower eligibility.
  • Coordinate with underwriters: Liaise with underwriters to clarify documentation or information and ensure the loan meets underwriting guidelines.
  • Communicate with borrowers: Regularly contact borrowers to collect additional required information, explain the loan process, and answer questions.
  • Ensure compliance: Verify that all loans adhere to federal, state, and lender-specific regulations, including legal documentation requirements.
  • Update loan files: Ensure all loan files are complete and updated in the loan processing system throughout the loan process.
  • Order third-party services: Request and review property appraisals, title work, insurance, and other necessary services related to the loan.
  • Follow-up on loan status: Monitor the progress of each loan application, ensuring deadlines are met and keeping loan officers and borrowers informed of any changes or delays.
  • Resolve issues: Work proactively to identify and resolve potential issues or discrepancies that could delay loan approval or closing.
  • Maintain confidentiality: Handle sensitive borrower information with discretion and in compliance with privacy laws and regulations.


Key Skills & Qualifications:

  • Organizational skills: Strong attention to detail and ability to manage multiple loan files simultaneously.
  • Knowledge of mortgage regulations: Familiarity with mortgage lending laws, FHA/VA loans, and other regulatory requirements.
  • Communication skills: Clear and professional communication with borrowers, loan officers, underwriters, and third-party service providers.
  • Analytical skills: Ability to review financial statements and loan documents to detect inconsistencies or potential issues.
  • Problem-solving: Proactive in addressing issues and finding solutions to ensure timely loan processing.
  • Technology proficiency: Experience with mortgage loan processing software, document management systems, and basic office software (e.g., Microsoft Office).
  • Customer service skills: Ability to work with borrowers and handle inquiries or concerns professionally and efficiently.
  • Time management: Strong ability to prioritize tasks and meet deadlines in a fast-paced environment.


Education & Experience:

  • Education: High school diploma or equivalent required; associate or bachelor’s degree in finance, business, or a related field preferred.
  • Experience: Prior experience in mortgage loan processing or a related field (typically 1-3 years).
  • Licensing: Depending on the jurisdiction, some states may require specific certifications or licenses to process loans.
  • Technical skills: Proficiency in loan processing software and familiarity with underwriting guidelines.


Language Skills: Preferred: Bilingual proficiency in English and Spanish


Benefits:

  • Competitive compensation with performance-based bonuses.
  • Health and dental insurance coverage.
  • Opportunities for professional growth and development.
  • Inclusive and supportive work environment.
  • Be a part of a team that values your individuality and ideas.

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