Mortgage Financial Specialist
5 days ago
Company Overview
S IMORTGAGE COMPANY is a nationwide mortgage lender with licenses in 39 states. We have been running strong for the past 20 years, providing financial solutions to our clients.
Salary
The estimated annual salary for this position is $80,000 - $120,000, depending on experience and performance.
Job Description
We are seeking Mortgage Loan Officers/Originators to evaluate, authorize approval or deny loan applications for primary or investment properties. Our team works efficiently to ensure the closing of loans, thanks to our in-house lock-desk team combined with processors, underwriters, closers, and post-closers.
- Evaluate credit worthiness by processing loan applications and documentation within specified limits
- Interview applicants to determine financial eligibility and feasibility of granting loans
- Determine all applicable ratios and metrics and set up debt payment plans
- Communicate with clients either to request or to provide information
- Justify decisions (approvals/rejections) and report on them
- Complete loan contracts and counsel clients on policies and restrictions
- Update job knowledge on types of loans and other financial services
- Maintain and update account records
- Assess customer needs, explore all options, and introduce different types of loans
- Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
- Go the "extra mile" to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
- Operate in compliance with laws and regulations and adhere to lending compliance guidelines
Required Skills and Qualifications
To succeed in this role, you will need:
- Active NMLS license
- Proven working experience as a loan officer
- Familiarity with computers and loan operating systems/software
- Ability to produce self-generated loans
- Knowledge and experience with setting up loans
- Solid understanding of direct/indirect lending products and practices
- Excellent communication and interpersonal skills
- Customer satisfaction orientation and sales competencies
- Ability to work in a goal-oriented environment
Benefits
We offer competitive compensation, benefits, and opportunities for growth:
- Competitive Loan Pricing
- Health Insurance
- 401K/ HSA
- Flexible work schedule
- Work-life balance
- Employee referral bonus
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