Mortgage Loan Officer

The Mortgage Loan Officer (MLO) will guide clients through the loan application process, from initial consultation to a successful closing. MLO's will originate loans primarily sourced from electronic channels such as, web, chat, video, and dedicated phone lines.

MLOs are responsible for making the most out of each lead by carefully assessing the needs of the client and offering solutions to meet those needs, which includes analyzing complex financial data, providing solutions throughout application processes, and building positive relationships with clients. MLOs must meet all state and federal regulatory compliance, as well as internal quality and service standards.

What you will do here:

Sales Pipeline Management and Loan Administration:

Manage the end-to-end mortgage origination process, including loan applications, financial analysis, and coordination with internal teams to facilitate a smooth client experience and efficient loan process.

Engage with customers to recommend loan products and other services that are in their best interest. Understand and maintain thorough knowledge of various mortgage loan programs and products (FNMA/FHLMC, FHA/VA) to provide clients with most suitable options.

Review all loan applications by verifying supporting documentation and creditworthiness and prepare loan applications to meet quality standards for submission to processing team.

Accurately price loans, negotiate terms and ensure timely preparation and delivery of all required loan disclosures.

Provide timely follow-up on all originated mortgage applications with applicants and third parties.

Must stay compliant with all local, state, and federal regulations and investor guidelines.

Creating and developing opportunities:

Make outbound sales calls and receive inbound mortgage inquiries from prospective borrowers to create relationships and convert them from prospect to client.

Collaborate with business partners, credit union and CUSO employees, and own personal sphere of influence to drive and increase business and customer pipeline.

Participate in external events to foster Relator, and other business, relationships within the community.

Perform other job-related duties as assigned.

What you will need:

High School Diploma or GED required.

2+ years proven success in a sales environment required.

1+ years previous mortgage origination, underwriting or processing experience preferred.

Excellent customer service skills required.

Effective relationship building skills required.

Excellent verbal and written communication skills required.

Strong attention to detail and follow-up skills required.

Demonstrated understanding of mortgage lending principles and practices preferred.

Competency using Mortgage Loan Origination Systems preferred.

NMLS Registration or NMLS License required.

Mortgage Originator State License required.

We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

For additional information about our organization, careers, and benefits visit: http://www.desertfinancial.com/careers.