GEM Mortgage, Inc · 8 hours ago

LOAN ORIGINATOR

Visalia, CA

Full-time

Remote

Entry Level

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Responsibilities

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.

Qualification

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NMLS MLO LicenseAutomated underwriting systemsHUD RegulationsRESPA RegulationsLegal compliance