Mortgage Loan Officer

Summary The Loan Originator provides residential mortgage loans and generates leads to increase production.
The Originator obtains purchase and refinance mortgage loans in accordance with established company policies and procedures and industry guidelines by calling upon realtors; builders; past clients and referral partners; while providing strong communication and support to management, production staff, underwriting, and customers.
Responsibilities The primary job duties and responsibilities of this position include but are not limited to: Promote HighLine's products to Real Estate Agents, Home Buyers, other lead sources and all referral sources.
Prospect & procure new loan applications by meeting with and presenting products to potential referral sources such as realtors, CPAs, financial planners and past clients that result in funded loans Educate borrowers on current offerings and programs for which they qualify Ensure all marketing is performed in a manner that is compliant Create & maintain data from new loan applications and other documents in origination system Reviews loans in process daily and determine priorities Performs document audit and resolves exceptions to approve (or reject) loan packages for funding Receive & process Change of Circumstances (CoC) and resubmit loan package, ensuring compliance with Fannie Mae and Freddie Mac Re-disclose all new loans when there is a Change of Circumstance (CoC) Generate and distribute Decline/Rejection letters to borrows not meeting minimum requirements, in compliance with industry guidelines and regulations Authorize and/or order credit reports, appraisals, flood certifications, and title work Defers loans that do not meet basic standards to Underwriter Provides follow-up on a consistent basis with internal staff, borrowers, and agents to complete processing Analyzes loan files and submits completed loans for approval Responds to inquiries from agents/referral partners and borrowers regarding status of loans in process.
Maintains status of all files in process and updates as needed; keeps abreast of all FHA, VA, and conventional guidelines and changes that may affect loan status Request and gather relevant information/documents from the borrower to complete the application, its structure and all loan disclosures, in coordination with processing as well as underwriting Monitor the process and communicate effectively with the borrower and all other parties to the transaction on the status of the loan Present complete and accurate files to the Processor Ensure maintenance of active NMLS license and stay current with required continuing education, new products, Freddie Mac and Fannie Mae guidelines, HighLine guidelines and overlays, and HUD guidelines Comply with local, state and federal laws regarding position Adhere to all HighLine standards, including, but not limited to production minimums and customer service Conduct business in an ethical manner and in the best interest of HighLine, with HighLine's core values in mind Stay current on personal finance principles in order to offer comprehensive mortgage advice to clients May work more than 50% of the time out the office, is non-exempt and primarily commission-based Any additional duties as assigned THIS JOB DESCRIPTION IS NOT INTENDED TO BE ALL-INCLUSIVE.
THE INCUMBENT WILL ALSO PERFORM OTHER REASONABLY RELATED BUSINESS DUTIES AS ASSIGNED BY MANAGEMENT.
Qualifications High school diploma or equivalent, Bachelor's degree is preferred 2+ years of experience as a Loan Originator, LOA or Processor, 5+ years preferred Knowledge of Microsoft Excel, Word and Outlook In-depth knowledge of mortgage loan products (FHA/VA/CONV/USDA) and knowledge of mortgage processes, procedures, and documentation Working knowledge / Proficiency in Desktop Underwriter/Desktop Originator (DU/DO), Loan Prospector (LP), and originating systems, Encompass experience preferred Exceptional follow-up, time management, interpersonal, and verbal and written communication skills Willingness to learn, self- motivated, social media savvy and a forward thinker Excellent customer service skills and working in a team environment Excellent interpersonal, verbal and written skills are a must Must be a self-starter who is reliable, detail oriented and the ability to resolve issues Strong relationship building a must, along with strong written and verbal communication skills Ability to analyze issues and create effective resolutions, while managing multiple projects at one time.
Must have NMLS and SAFE, UST, preferred, or able to obtain applicable State NMLS license within 30 - 90 days of employment.
About-our-team As a Loan Originator with HighLine Home Loans we provide you with a high standard of service, support and tools, with one goal in mind - Improving Lives! By listening to our originators and leveraging our teams and resources, we create a work environment poised for success while remaining a competitive lender and employer in the mortgage industry.