[Hiring] Loan Originator @Golden Empire Mortgage Inc

Role Description

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.

• 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.
• Discusses 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.

Qualifications

• High School or GED required.
• NMLS MLO License.

Requirements

• 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.

Benefits

• This is a commission-only position. The expected commission range depends on loan amount, structure, and volume. Actual compensation will vary based on individual performance, commission structure compensation agreement, and market conditions.

Company Description

Join the GEM Mortgage Team! Ready to be part of a leading mortgage lender that truly puts clients first? At VERO Mortgage, a division of Golden Empire Mortgage, we've been a respected leader in the industry for nearly 40 years, guided by our core belief that our borrowers' interests come first. We're dedicated to providing clients with expert financing advice and believe that everyone deserves access to credit.

• Our mission is to build long-lasting relationships with borrowers and real estate partners.
• Be an employer of choice with growth opportunities for our team members.
• Operate as a trustworthy, financially sound enterprise that positively influences our communities.
• 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.