Senior Mortgage Originator

4 days ago

Jacksonville, Florida, United States Envoy Mortgage Full time
Job Summary

We are seeking a highly skilled and motivated Loan Originator to join our team at Envoy Mortgage. As a Loan Originator, you will be responsible for originating residential mortgage loans and generating leads to increase production. You will work closely with realtors, builders, past clients, and referral partners to provide strong communication and support to management, production staff, underwriting, and customers.

Key Responsibilities
  • Promote Envoy's mortgage products to real estate agents, home buyers, and other lead sources.
  • Prospect and procure new loan applications by meeting with and presenting products to potential referral sources.
  • Educate borrowers on current mortgage offerings and programs for which they qualify.
  • Ensure all marketing is performed in a manner that is compliant with industry guidelines and regulations.
  • Create and 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 and 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 the 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 and 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 an 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 the position.
  • Adhere to all Envoy standards, including 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 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.
Requirements
  • High school diploma or equivalent, Bachelor's degree 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.
  • Excellent interpersonal, verbal, and written skills are a must.
  • Must be a self-starter who is reliable, detail-oriented, and able to resolve issues.
  • Strong relationship building a must, along with strong written and verbal communication skills.
  • Ability to analyze issues and create effective resolutions, while managing multiple projects at one time.
  • Must have NMLS and SAFE, UST, preferred, or able to obtain applicable State NMLS license within 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; NOTE: The Pay Range indicated may vary based on skills, experience, and location once a candidate is selected.

Benefits: (Full-Time) Health Insurance; Paid Time Off (PTO); Paid Holidays; 401(k)

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