Retail Loan Officer
2 days ago
Position at Inspire Home Loans
What You'll Do:
The Retail Loan Officer is responsible for cultivating strong relationships with new and existing customers by engaging an established servicing portfolio of homeowners to identify refinance, purchase, and home equity opportunities. This position will also proactively follow up on qualified leads generated through marketing initiatives, builder partnerships, and internal referral sources while developing new business through personal and professional networks. The Retail Loan Officer ensures an exceptional customer experience by thoroughly understanding loan programs, company policies, and regulatory requirements, while demonstrating integrity, professionalism, and full compliance with all Federal and State lending regulations.
Your key responsibilities include:
- Analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather additional information.
- Collect and evaluate each applicant's financial information and assess the applicant's financial circumstances to determine whether the applicant and the property qualify for a particular loan. Assist the applicant in identifying a mortgage loan appropriate for their circumstances.
- Determine if the applicant has a reasonable ability to repay and that the mortgage loan helps borrowers achieve their financial goals, including homeownership.
- Advise the potential borrower about the risks and benefits of the loan alternatives, including the options and variables involved.
- Demonstrate the highest professionalism and customer service.
- Perform other duties as needed or assigned.
- Hybrid/Remote (depending on location)
- Proven sales skills.
- Exceptional communication skills.
- Ability to negotiate and speak confidently regarding loan products, rates, and conditions.
- Ability to handle confidential information.
- Strong attention to detail.
- Proficient in Microsoft Applications, loan origination systems, and automated underwriting systems, Encompass a plus.
- A bachelor's degree is preferred, or an equivalent combination of education and experience is required.
- 3+ years of loan origination experience.
- Active MLO license in the State of residency required AZ, CA, CO, FL, GA, NC, NV, UT, SC, TX, WA (*AL, IN, KY, LA, MI, OH, TN* also preferred but not currently required)
- Colorado location Preferred
About Inspire Home Loans:
As an affiliate of Century Communities-one of the nation's largest homebuilders and industry leader in online sales-we strive to make the dream of homeownership possible. We're proud to be part of the company's mission to create thriving, enduring neighborhoods with lasting livability, focusing on building sustainable, affordably priced homes for our customers while reducing our carbon footprint. For team members, our goal is to provide the resources, opportunities, and benefits to build successful and rewarding careers.
Compensation: Century Communities (the "Company") intends to offer the selected candidate an hourly rate in the range of $11.54 unless minimum wage is higher: (AZ $14.70, CA $16.50, CO $14.81, FL $14.00, WA $16.66/hourly) with the potential for other financial incentives. Actual offers will be based on a variety of factors, including experience. Employees will have access to paid time off, medical, dental, vision, basic life insurance, and the Company's 401(k) plan.
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