Loan Originator FT
1 month ago
General Summary
As a Loan Originator with Envoy Mortgage, we provide you with a high standard of service, support, and tools, with one goal in mind -- Improving Lives By listening to our originators and leveraging our teams and resources, we create a work environment poised for success while remaining a competitive lender and employer in the mortgage industry. Through this business approach, Envoy Mortgage has been awarded Top Mortgage Employer by Mortgage Professional, 50 Best Companies to Work for by Mortgage Executive Magazine, and the Top Tech Housing Award many years running.
Come join us, and be part of a team where your success is our success
Duties and Responsibilities
The primary job duties and responsibilities of this position include but are not limited to:
Promote Envoy's products to Real Estate Agents, Home Buyers, other lead sources, and all referral sources.
Prospect & procure new loan applications by meeting with and presenting products to potential referral sources such as realtors, CPAs, financial planners, and past clients that result in funded loans.
Educate borrowers on current offerings and programs for which they qualify.
Ensure all marketing is performed in a manner that is compliant.
Create & maintain data from new loan applications and other documents in the origination system.
Review loans in process daily and determine priorities.
Perform document audits and resolve exceptions to approve (or reject) loan packages for funding.
Receive & process Change of Circumstances (CoC) and resubmit loan packages, ensuring compliance with Fannie Mae and Freddie Mac.
Re-disclose all new loans when there is a Change of Circumstance (CoC).
Generate and distribute Decline/Rejection letters to borrowers not meeting minimum requirements, in compliance with industry guidelines and regulations.
Authorize and/or order credit reports, appraisals, flood certifications, and title work.
Defer loans that do not meet basic standards to Underwriter.
Provide follow-up on a consistent basis with internal staff, borrowers, and agents to complete processing.
Analyze loan files and submit completed loans for approval.
Respond to inquiries from agents/referral partners and borrowers regarding the status of loans in process.
Maintain status of all files in process and update as needed; keep abreast of all FHA, VA, and conventional guidelines and changes that may affect loan status.
Request and gather relevant information/documents from the borrower to complete the application, its structure, and all loan disclosures, in coordination with processing as well as underwriting.
Monitor the process and communicate effectively with the borrower and all other parties to the transaction on the status of the loan.
Present complete and accurate files to the Processor.
Ensure maintenance of active NMLS license and stay current with required continuing education, new products, Freddie Mac and Fannie Mae guidelines, Envoy guidelines and overlays, and HUD guidelines.
Comply with local, state, and federal laws regarding position.
Adhere to all Envoy standards, including, but not limited to production minimums and customer service.
Conduct business in an ethical manner and in the best interest of Envoy, with Envoy's core values in mind.
Stay current on personal finance principles in order to offer comprehensive mortgage advice to clients.
May work more than 50% of the time out of the office, is non-exempt and primarily commission-based.
Any additional duties as assigned.
Minimum Requirements
High school diploma or equivalent, Bachelor's degree is preferred.
3+ years of experience as a Loan Originator, LOA, or Processor, 5+ years preferred.
Knowledge of Microsoft Excel, Word, and Outlook.
In-depth knowledge of mortgage loan products (FHA/VA/CONV/USDA) and knowledge of mortgage processes, procedures, and documentation.
Working knowledge / Proficiency in Desktop Underwriter/Desktop Originator (DU/DO), Loan Prospector (LP), and originating systems, Encompass experience preferred.
Exceptional follow-up, time management, interpersonal, and verbal and written communication skills.
Willingness to learn, self-motivated, social media savvy, and a forward thinker.
Excellent customer service skills and working in a team environment.
Must have NMLS and SAFE, UST preferred, or able to obtain applicable State NMLS license within 30 - 90 days of employment or employment will be terminated.
Physical Requirements
The employee must occasionally lift and/or move up to 25 pounds.
Specific vision abilities required by this job include close vision.
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; walk; climb or balance and stoop, kneel, crouch or crawl.
Job Type:
Non-Exempt
Compensation:
Regular Pay: $7.25 - $15.00/hour
Supplemental Pay: Commission Pay
Bonus Pay (eligible)
NOTE: The Pay Range indicated may vary based on skills, experience, and location once a candidate is selected.
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