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Union Home Mortgage Corp. · 22 hours ago

Mortgage Loan Officer

Arizona, United States

Full-time

Hybrid

Mid Level

Union Home Mortgage Corp. is a company that focuses on providing loan opportunities to customers. The Mortgage Loan Officer is responsible for building a referral network, evaluating applicant information, and guiding customers through the loan process while ensuring compliance with state and federal guidelines.

BankingCreditFinancial ServicesInsuranceMortgage

No H1B

Responsibilities

Establish ongoing financial services relationships with customers and referral sources

Consistently maintain a minimum production of 3 units per month or 36 units per year

Complies with all applicable state and federal guidelines for database management and marketing activities

Advise and educate customers of the home buying or refinancing process

Complete a preliminary review to qualify potential customers within specified limits based on their current and future financial needs

Work with customers in-person or remotely to obtain information for loan applications

Explain to customers the different types of loans and credit options that are available, as well as the terms of those services

Inform applicants of the loan process; assist by answering questions with timely response to requests

Evaluate the applicant’s financial status, credit, property evaluations and documentation by confirming credit worthiness

Improve loan applications and documentation by informing applicants of qualification requirements

Assist and advise customers of the best loan product available to fit their desired result

Act in accordance with real estate contracts by explaining provisions to applicants, obtaining executed loan packages and collecting credit report/appraisal fees

Utilize management to assist in qualifying the customer when needed

Maintain customer confidence by following state and federal confidentiality guidelines

Follow UHM Minimum Origination Standards and 3/2 policies

Complete the formal application/interview

Execute technological mortgage application documents with the customer

Formally submit the loan through processing

Track the mortgage process through closing with constant contact to the customer and referral sources directly and/or utilizing automated systems

Responsible for independent pipeline management including accuracy with secondary lock execution and estimated closing dates through formal closing

Responsible for following regulatory rules including RESPA, TILA, Safe Act and Appraisal Anti-Coercion

Maintain the UHM Code of Conduct at all times and through action accentuate the positive culture established by this organization

Qualification

Mortgage Banking KnowledgeMortgage ProductsMortgage Software KnowledgeSales ExperienceCustomer ServiceAnalyzing InformationHigh Ethical StandardsProfessionalismCommunication SkillsOrganizational SkillsHigh Sense of ConfidentialityDecision Making

Required

Sales and mortgage experience is required

Retail/Wholesale Mortgage Banking Knowledge

Knowledge of all mortgage products, Government and Conventional

Customer Service

Strong verbal and written communication skills

Excellent organizational skills

Mortgage software knowledge

Analyzing Information

High sense of confidentiality

Strong decision making

High ethical standards

Professionalism

Complete state and federal requirements including but not limited to: pre-license education, state and federal testing and federal background checks to obtain an appropriate license to conduct business in all states the company operates in

Complete required continuing education deemed necessary by federal, state and company guidelines

Renewing all licenses 30 days in advance of the required renewal time-frame

Update job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks and participating in professional organizations

Company

Union Home Mortgage Corp.

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Since our inception in 1970, Union Home Mortgage has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership.

Founded in 1970