Mortgage Banker/Mortgage Loan Officer

1 month ago


Huntington Beach, United States Summit Lending Full time
Description

We are seeking the right people to join our team as experienced, service-focused, and detail-oriented mortgage loan officers. At Summit Home Lending, we don't just talk about our core values - we live them every day. Our team culture is built on integrity, constant improvement, and creating a supportive environment where obstacles are removed so you can thrive. If you're passionate about providing top-tier solutions for clients and want to be part of a team that works hard, celebrates success, and supports each other, we'd love to hear from you. Apply today and see how you can grow with us

Responsibilities

•Manage warm transfers and fresh leads, averaging 8 to 10 daily, to effectively drive business growth
•Handle the application process, pitch to qualified borrowers, and guide them through loan options
•After loan sales, the focus shifts to selling to the next borrower as processing staff takes over file management
•Provide counseling to borrowers, educating them on the advantages and disadvantages of different loan products to guide their choices
•Oversee customer interactions and ensure smooth transactions by liaising with realtors, processors, and underwriters
•Maintain a substantial pipeline of loans to meet production requirements effectively
•Collaborate closely with industry professionals to gather and prepare all necessary information, ensuring compliance with underwriting standards
•Ensure all phases of the loan process are performed in accordance with regulatory and company guidelines
•Exceed our production standards by maintaining an active pipeline
•Interact with customers, realtors, processors, and underwriters to ensure a smooth transaction
•Ensure accurate and timely preparation of all required documents from borrowers, loan officers, title companies, and other related industry professionals
•Counsel borrowers to understand the pros and cons of different loan products to determine which is best for them
•Prospect, develop, and maintain relationships with potential new business referral partners such as realtors, builders, bank colleagues, and the community at large
•Counsel borrowers to understand the pros and cons of different loan products to determine which is best for them
•Ensure all phases of the loan process are performed in accordance with regulatory and company guidelines
•Interact with customers, realtors, processors, and underwriters to ensure a smooth transaction
•Manage a large pipeline of loans to ensure your production meets our requirements

Qualifications

•Strong understanding of HELOC/HELOAN guidelines and structuring
•Current NMLS license
•Strong time management abilities, capable of prioritizing tasks and handling multiple leads simultaneously
•Meticulous attention to detail, ensuring accuracy and compliance with regulations
•Comprehensive knowledge of various loan products, eligibility criteria, and industry trends
•Adaptability to changing market conditions and client needs
•Commitment to ethical conduct and integrity
•Proficiency in loan origination software and other technological tools
•Understand a variety of loans such as: FHA, VA, USDA, conventional, fixed/ adjustable, bridge, non-conforming, FNMA and FHLMC, and Home Equity Lines of Credit
•Understanding of loan originator software such as Experian, LendingWise, or Calyx, and Office Suite highly preferred
•Bachelor's degree from a four year college or university required in banking, business, real estate, or a related field
•Exceptional decision-making ability, superior written and verbal communication skills, and superb interpersonal and customer service skills required

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