Mortgage Loan Originator

Pacific Union Financial Llc. Maitland , FL 32751

Posted 7 months ago

POSITION SUMMARY

Source mortgage loan leads from realtors, builders and personal contacts. Take original applications directly from borrowers (over the phone or in person) and coordinate with loan processors and underwriters in obtaining information necessary to close the loan. Evaluate, authorize or recommend approval of real estate or credit loans and advise borrowers on financial status and methods of payments. Work under general supervision and report to Manager, Branch.

ESSENTIAL FUNCTIONS
1.Adhere to general work requirements
2.Work outbound and inbound lead sources per department standards
3.Speak with applicants to obtain information for loan applications and to answer questions about the process
4.Analyze applicants' financial status, credit and property evaluations to determine feasibility of granting loans
5.Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
6.Obtain and compile copies of loan applicants' credit histories, corporate financial statements and other financial information
7.Review and update credit and loan files
8.Review loan documents to ensure that they are complete and accurate according to policy
9.Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs
10. Handle customer complaints and take appropriate action to resolve issues
11. Confer with underwriters to aid in correcting mortgage application problems
12. Meet department production standards
13. Perform other duties as assigned

GENERAL SKILLS

  • Good verbal and written communication skills

  • Ability to provide outstanding customer service in fast-paced environments

  • Proficient working knowledge of computerized applications such as word processing, spreadsheet, database, presentation software, email and specialized business applications software

  • Presentation skills necessary to effectively communicate, update, persuade, and/or facilitate discussions with all levels of management

  • Interpersonal skills necessary to establish and maintain effective working relationships with coworkers, other business areas and government agencies as required

  • Ability to:

o read and interpret complex reports and documents

o assimilate and interpret various sources of data and provide and make decisions on recommendations to executive management to solve highly complex problems from start to finish

  • Planning and organizational skills necessary to coordinate workload around multiple assignments

MINIMUM QUALIFICATIONS

  • High school diploma or GED

  • 20 hours of training for SAFE Act

  • Passed the national NMLS exam

  • 1-2 years of previous experience

  • Proven ability to generate at least 3 loans per month

ADDITIONAL DESIRED QUALIFICATIONS

  • Understand and comply with State and National regulations, compliance and procedures

PHYSICAL REQUIREMENTS

  • Physical demands with activity or condition existing a considerable amount of time include sitting and typing/keyboarding using a computer (i.e. keyboard, mouse and monitor) or adding machine

  • Physical demands may include walking, carrying, reaching, standing and stooping

  • May require occasional lifting/lowering, pushing or pulling up to 25 lb

See if you are a match!

See how well your resume matches up to this job - upload your resume now.

Find your dream job anywhere
with the LiveCareer app.
Download the
LiveCareer app and find
your dream job anywhere
lc_ad

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Mortgage Consultant (Safe)

Wells Fargo

Posted 3 days ago

VIEW JOBS 9/20/2018 12:00:00 AM 2018-12-19T00:00 Job Description At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Consumer Lending is an industry leader in supporting homeowners and consumers. Our group includes Home Lending, Personal Lending, and Wells Fargo Auto, and the professional services teams that partner with these businesses. Our foundation for success can be summarized in three beliefs: Our product is service. Our value added is financial advice and guidance. Our competitive advantage is our people. We've built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed. Join the #1 Mortgage originator and servicer (Source: Inside Mortgage Finance) Our Mortgage Origination team builds strong relationships with consumers and referral partners to help our customers reach their personal and financial goals through homeownership. This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below. We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service. Strong sales and organizational skills are essential. Bi-lingual job seekers are encouraged to apply. Additional duties include: * Develop knowledge of company products, policies and procedures, and underwriting requirements * Understand real estate appraisals, title reports, and real estate transactions * Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures * Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk * Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in * Develop and maintain a high degree of visibility for WFHM in the marketplace * Perform miscellaneous duties as needed and required Required Qualifications * 1+ year of sales experience in financial services, outside sales experience, or a combination of both Desired Qualifications * Basic Microsoft Office skills * Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources * Excellent verbal, written, and interpersonal communication skills * Mortgage industry experience * Knowledge and understanding of sales prospecting and generating referrals * Bilingual speaking proficiency in Spanish/English * Customer service experience * A BS/BA degree or higher Job Expectations * This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position. * Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. * This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents. * Ability to work nights, weekends, and/or holidays as needed or scheduled * Reliable transportation * Ability to lift 20+ pounds Street Address FL-Maitland: 301 S Orlando Ave - Maitland, FL Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. COMMUNITY BKG 0033001 COMMUNITY BKG Wells Fargo Maitland FL

Mortgage Loan Originator

Pacific Union Financial Llc.