Loan Officer

Amerifirst Financial Las Vegas , NV 89134

Posted 3 months ago

Are you closing 2-5 loans per month and looking to grow your business even more. Come see what we have to offer! Education to grow your business, marketing materials to increase client traffic - the list goes on. Come be part of a top producing team!

Executive Summary of Position:

Amerifirst Financial, Inc. is involved in all aspects of retail mortgage lending and works to provide borrowers, local realtors, and others in the mortgage and real estate industry with a comprehensive selection of loan products and uncomprised service at competitive rates.

The purpose of the Mortgage Loan Officer position is to proactively identify, develop, and maintain a quality network of business partnerships, including but not limited to, real estate professionals, builders, and financial professionals, as well as develop relationships within their community that serve as a referral source for new mortgage applications.

Essential Duties:

  • Take thorough and complete loan applications; analyze and prequalify applicant to determine viability of the client's desired loan program.

  • Pull and analyze clients credit. Correct any inaccuracies and determine the correct loan options for the borrower based upon the applicant's present situation, future goals, and desired loan product

  • Pull and analyze clients credit. Correct any inaccuracies and determine the correct loan options for the borrower based upon the applicant's present situation, future goals, and desired loan product

  • Gather all initial documentation required based upon the applicant's selected loan program and ensure the 1003 including all disclosure requirements are all signed by borrower.

  • Update job knowledge, including but not limited to all agencies, FNMA,FHLMC, HUD, VA, and regulations, by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.

  • Work closely with Loan Processor, and Loan Officer Assistant as applicable, to ensure all needed documentation is obtained as the loan moves through the loan process.

  • Adheres to all applicable state and federal laws and/or regulations including, but not limited to, the Real Estate Settlement Procedures Act, Truth-in-Lending Act, Fair Housing Act, Dodd Frank, and any related state mortgage banking laws, as well as, the rules and ethics of the mortgage banking industry and HUD.

  • Adheres to AFIs Marketing and Advertisement policies and procedures.

  • Provides on-going communication to clients and business partners throughout the loan process

  • Develops and maintains successful relationships with business referral sources, existing and prospective.

  • Maintains an active pipeline of a minimum of 10 loans after initial 90 days of employment with Amerifirst.

  • Represents Amerifirst Financial in a professional manner at all times adhering to all company policies.

Other Duties:

  • Handle multiple tasks simultaneously.

  • Participate in proactive team efforts to achieve departmental and company goals.

  • Participate by example through sharing of knowledge and skill to promote a positive team work environment.

  • Comply with all safety policies, practices and procedures.

  • Reporting of potential or actual violations of such policies, practices and procedures to Supervisor.

  • Perform other duties as assigned by Management.

Education, Knowledge, skills, Abilities and Experience:

  • Mortgage Loan Originator License is required (Successful completion of 20-Hour S.A.F.E Act training and successful completion of National EXAM (NMLS))

  • A Bachelors Degree, preferably in finance, business administration or related field, from a four-year college or university is preferred and one or two years of industry- related experience and/or training is required. A combination of equivalent education and industry-related experience is acceptable.

  • Familiarity with FNMA/FHLMC, FHA/VA guidelines and understanding of all facets involved in real estate transactions as well as federal and state compliance regulations.

  • Language skill required is ability to read, analyze, and interpret general business periodicals, professional journals or governmental regulations. Ability to write business correspondence. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

  • Computer skill required is that of basic personal computing including electronic mail, word processing, spreadsheets, graphics, etc. experience with Encompass 360 LOS is preferred but not required.

Equipment/Technology Competency

  • Computer

  • Fax

  • Printer

  • Scanner

  • Copier

  • Calculator

  • Telephone

Decision Making:

Use independent judgment to achieve assigned objectives and goals while operating within corporate and departmental policy guidelines.


  • Maintain a positive, friendly, sincere and professional attitude when representing the company.

  • Apply common sense understanding in distributing and carrying out tasks and instructions.

  • Work independently and in cooperation with others.

Working Conditions:

Requires light physical activity performing non strenuous daily activities of an administrative nature as well as periods of prolonged sitting. Requires extensive typing, filing and writing. Requires the ability to speak and hear.


This job description is not intended to be an all-inclusive representation of all possible duties, responsibilities and/or qualifications. Other duties, responsibilities and/or qualifications may be assigned to this position as the need arises and/or management requires. Understands, accepts and recognizes requirements relating to compliance issues and attends training as is appropriate and relative to their position. Including, but not limited to: the Bank Secrecy Act: Anti-Money Laundering, USA Patriot Act.

Amerifirst Financial provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Amerifirst Financial complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.

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