Mortgage Banker/Mortgage Loan Officer

6 days ago

Huntington Beach, California, 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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