Loan Officer

About This Role

Loan officers develop relationships for new business both internally and externally, meeting with prospective customers, brokers, and other referral sources to advise on mortgage products. This full-time, outside sales position involves collecting and analyzing customer financial information to help select appropriate loan programs and obtain loan applications.

Responsibilities

• Support the company's growth through outside sales activities and lead generation
• Travel to various communities, realtors' offices, and other appropriate locations regularly to solicit new business and/or leads from home builders
• Conduct "First Time Homebuyer Seminars" in communities regularly to develop leads and build relationships with New Home Consultants and prospective/current customers
• Travel to and participate in builder and realtor functions, status meetings, phase releases, phone banks, and special events to develop and maintain relationships and customer service
• Travel to various communities and other appropriate locations to meet with prospective/current customers, explain the company's offerings, obtain loan applications and other required documents, and attend closings
• Review leads daily and contact prospective customers via telephone and email to set up in-person/virtual meetings
• Originate and prepare new loans in accordance with the "Loan Officer" agreement, signed at the time of employment, to ensure all loans meet the guidelines of the Products and Policies manual for upfront
• Advise and recommend to the customer regarding the various mortgage loan products based on the customer's individual need
• Review interest rates as needed and lock all loans with the borrowers in accordance with the Secondary Marketing Pricing and Rate Lock Policies and Procedures manual, at least fifteen days prior to closing
• Provide assistance to New Home Consultants on pre-qualifications of customers to develop a pipeline for outside sales; provide status of loans as needed
• Meet or exceed closed loan capture rate, spot loan objectives for the division, and/or other established sales goals as determined by the Division Manager and based on annual business
• Maintain reports and notes within the origination computer system regarding own prospects and customers to ensure complete exchange of information regarding loan application, loan status, conversations with customers, underwriting, lock in information, monthly projected closings, incentive, and expense

Requirements

• Bilingual in English and Spanish (highly preferred)
• Four-year college degree (preferred)
• At least three years of Loan Originating experience
• Ability to maintain a flexible work schedule, including evening and weekend work
• Valid driver's license and dependable transportation