Loan Originator

Job Description Job Description GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.

Golden Empire Mortgage isn't just about mortgages and home lending - GEM is about people, and building lasting customer relationships. At GEM we understand that the lending process can be intimidating, that’s why we ensure that all of our employees hold to the highest level of client satisfaction. We pride ourselves on integrity, knowledge and state of the art technology all in an effort to provide our customers with excellent customer service and the best rates possible.

Under general supervision of the Branch Manager, the Mortgage Loan Originator is responsible for origination of mortgage loans. This position conducts initial pre-qualification interviews and prepares complete loan application packages and necessary documentation. The Loan Originator also conveys policies for extension of credit in accordance with Company and investor guidelines, serves customers, prospective customers, builders, developers and realtors promptly and professionally.

Essential job functions Responsible for originating own sales by contacting prospective clients and by developing and maintaining referral sources. Spend over 50% of time away from employer’s place of business in performing principal duty of selling loan products offered by company. Interviews, takes applications, and processes preliminary documentation on loan requests.

Discuses loan alternatives, credit criteria, interest rates, and loan documentation with customers. Assesses customer’s applications and evaluates products, pricing, and other variables in order to determine which mortgage products might best serve customer’s needs. Submits, within company designated time frames, all files to operations staff for processing, underwriting, closing, and funding.

Performs follow-up work to achieve conditional loan approval within established time frames. Locks in rates and programs for customers when reasonably requested and in a timely manner. Completes lending operations in accordance with established Company policies and legal requirements.

Assumes responsibility for establishing and maintaining effective and professional business relations with customers, realtors, building professionals, and referral partners. Maintains current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements. FLSA Status:

Commission Only Minimum requirements High School or GED required. NMLS MLO License. Knowledge, Skills and Abilities Ability to prioritize and multi-task, while working in a fast paced environment.

Exceptionally detailed, focused and motivated professional. Excellent communication skills. Pleasant with customers, business partners and colleagues.

Knowledge of automated underwriting systems (DU/LP), HUD and RESPA Regulations. Comprehensive understanding of legal, compliance and Investor requirements.