Mortgage Origination Expert

2 weeks ago

Chandler, Arizona, United States Homeowners Financial Group Full time
Join a Leading Company with a Positive Culture

Are you a motivated, self-driven professional who thrives in a collaborative environment? Do you have a strong commitment to community service? At Homeowners Financial Group, we pride ourselves on being recognized as a top workplace for nearly two decades. By becoming part of our team, you will enjoy a range of excellent benefits.

Our Benefits Include:
  • Award-winning workplace culture
  • Opportunities for employee volunteering
  • Comprehensive healthcare benefits through Cigna, including medical, dental, vision, life, and disability coverage
  • Kaiser Permanente options for eligible employees in California
  • Additional benefits such as Aflac, MetLaw Legal Plan, and United Pet Care
  • 401k plan with discretionary matching
  • Employee recognition programs
  • Eligibility for President's Club for both Sales and Operations
  • Paid holidays
  • Paid Sick Leave in accordance with state laws
About Us: Homeowners Financial Group is a national organization with over 300 team members across 41 locations, dedicated to helping countless individuals achieve homeownership. We are not your average mortgage firm; we cultivate a familial atmosphere, engage in charitable initiatives, and are passionate about our mission.

Your Role: We are seeking a Licensed Mortgage Professional (LMP) who will focus on generating new business, structuring and finalizing loans, and managing an existing client portfolio. The LMP will guide clients through the loan process, establishing expectations, processing applications, and overseeing closings. This role involves gathering and assessing information regarding clients' employment, income, assets, credit history, and liabilities to determine suitable mortgage financing options. Additionally, the LMP will represent Homeowners Financial Group in the community through active participation in local events and marketing initiatives. An active Mortgage Originator License through NMLS is required.

Key Responsibilities:
  • Actively seek new residential mortgage opportunities and originate HFG mortgage products to achieve established quality and production targets.
  • Develop and maintain a robust network of business relationships to generate referrals for new lending opportunities, enhanced through community involvement and professional organizations.
  • Respond promptly and professionally to customer inquiries and referrals from personal contacts or HFG's business channels, converting leads into appointments.
  • Conduct thorough interviews with potential borrowers to analyze financial and credit information, advising them on loan product advantages and disadvantages.
  • Oversee customer interactions throughout the loan process, including counseling and pre-qualifying prospective homeowners.
  • Collect necessary documentation and fees from clients.
  • Negotiate loan terms, structure financing based on risk assessments, and present credit requests for approval.
  • Maintain comprehensive knowledge of lending programs, policies, procedures, and regulatory requirements.
  • Uphold professional ethics, comply with all Federal and State regulations, and adhere to HMDA standards.
  • Stay informed about trends in the local real estate market and competitive landscape.
  • Explain available loan programs and rate options to clients, documenting their requests for rate locks.
  • Provide timely monthly production projections.
  • Collaborate with Mortgage Assistants to enhance the sales process.
  • Participate in internal meetings and required training sessions.
  • Maintain a professional demeanor and adhere to all HFG Policies and Procedures.
  • Perform other duties as assigned.
Qualifications:
  • High School Diploma or equivalent required.
  • At least 3 years of experience in loan origination for FHA and conventional loans with a proven track record of funding.
  • Active Mortgage Originator license through NMLS required in all states where loans are originated.
  • Demonstrated sales ability.
  • Strong written and verbal communication skills.
  • Exceptional customer service skills for both internal and external clients.
  • Ability to foster positive relationships.
  • Excellent organizational and time management skills, with the ability to handle multiple tasks in a fast-paced environment.
  • Self-motivated team player with a positive outlook.
  • Ability to analyze and interpret financial data.
  • Proficient in PC applications including Excel, Word, and Microsoft Outlook.
  • Experience with laptop technology for communication and accessing loan information.
  • Familiarity with Encompass, Optimal Blue, DU, LP, and major origination systems preferred.
  • Understanding of mortgage industry practices, products, and regulatory guidelines.
  • Knowledge of the mortgage origination process, including FNMA, FHA, VA, RD, and SAFE ACT guidelines.
Working Conditions:

The characteristics of the work environment described here are representative of those an employee may encounter while performing the essential functions of this role. This position may involve handling objects weighing up to 10 pounds frequently and 20 pounds occasionally. The employee is regularly required to sit, use hands and fingers for handling tasks, and engage in verbal communication. Frequent standing and walking are also required. The noise level in the work environment is typically moderate, and the office is generally climate-controlled.

Homeowners Financial Group is an Equal Opportunity Employer. All employment decisions are based on qualifications, merit, and business needs.

Compensation:

Base salary plus commission.

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