Home Lending Loan Officer

Jobtailor

California (MO)

On-site

USD 65,000 - 90,000

Full time

14 days+

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Job summary

Jobtailor is seeking a Mortgage Loan Originator in the U.S. to originate self-generated residential mortgages and build referral networks with real estate professionals and builders.

You will interview borrowers, analyze credit data, advise on products, and manage loan files from origination through post-closing, while ensuring regulatory compliance and exceptional customer service.

Qualifications

2 years of previous mortgage self-generated origination/sales and structuring experience (Required)
Demonstrated knowledge of the home lending industry, including loan processing, underwriting, closing, and funding
Must be registered as an MLO under S.A.F.E. Act requirements
Must comply with Bank MLO and Bank Closed-End MLO requirements under applicable regulations

Responsibilities

Originate residential mortgage loans through solicitation and relationship development with real estate professionals, builders, internal partners, and business referral sources
Conduct outside sales and originate self-generated residential mortgages
Develop and execute business development and marketing plans based on monthly and quarterly production standards
Interview prospective borrowers to analyze financial and credit data and determine financing objectives
Advise customers on mortgage products, pricing policies, and guidelines
Gather required information and documentation to complete accurate disclosures and loan files
Analyze available mortgage products based on customer information
Provide exceptional customer service while maintaining knowledge of lending programs, policies, procedures, and regulatory requirements
Obtain appraisals, title reports, financial information, credit reports, and other required documentation
Maintain responsibility for loan files through processing, underwriting, closing, funding, and post-closing
Explain the advantages of the company and its financial products to customers and associates
Complete annual BVS courses and system-related training
Maintain compliance with bank regulations, policies, procedures, and applicable laws
Maintain working knowledge of the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other applicable regulations
May coach, mentor, train others, or teach coursework as a subject matter expert
Foster Columbia's corporate culture and support the vision to become “Business Bank of Choice”
Perform other duties as assigned

Skills

Residential Mortgage Origination

Loan Processing

Underwriting

Negotiation Skills

Business Development

Marketing Plans Execution

Detail-Oriented

Deadline Management

Loan File Management

Regulatory Compliance

Education

Bachelor's Degree in business, finance, or equivalent

HS Diploma/GED, vocational training, or equivalent (preferred)

MLO Registration Under S.A.F.E. Act

Bank MLO Requirements Compliance

Bank Closed-End MLO Requirements Compliance

Tools

Microsoft Word

Microsoft Excel

Job description

Originate residential mortgage loans through solicitation and relationship development with real estate professionals, builders, internal partners, and business referral sources
Conduct outside sales and originate self-generated residential mortgages
Develop and execute business development and marketing plans based on monthly and quarterly production standards
Interview prospective borrowers to analyze financial and credit data and determine financing objectives
Advise customers on mortgage products, pricing policies, and guidelines
Gather required information and documentation to complete accurate disclosures and loan files
Analyze available mortgage products based on customer information
Provide exceptional customer service while maintaining knowledge of lending programs, policies, procedures, and regulatory requirements
Obtain appraisals, title reports, financial information, credit reports, and other required documentation
Maintain responsibility for loan files through processing, underwriting, closing, funding, and post-closing
Explain the advantages of the company and its financial products to customers and associates
Complete annual BVS courses and system-related training
Maintain compliance with bank regulations, policies, procedures, and applicable laws
Maintain working knowledge of the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other applicable regulations
May coach, mentor, train others, or teach coursework as a subject matter expert
Foster Columbia's corporate culture and support the vision to become “Business Bank of Choice”
Perform other duties as assigned

Requirements

H.S. Diploma/GED, vocational training, or equivalent (preferred)
Bachelor's Degree in business, finance, or equivalent (preferred)
2 years of previous mortgage self-generated origination/sales and structuring experience (Required)
Demonstrated knowledge of the home lending industry, including loan processing, underwriting, closing, and funding
Experience collecting and analyzing borrower income
Negotiating skills
Ability to develop new and sustainable referral sources and generate leads
Excellent written and verbal communication
Excellent analytical and problem-solving skills
Ability to organize, prioritize, manage, and perform multiple tasks
Detail-oriented and able to meet strict deadlines
Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships
Proficiency with personal computers and software such as Word and Excel
Must be registered as an MLO under S.A.F.E. Act requirements
Must comply with Bank MLO and Bank Closed-End MLO requirements under applicable regulations

Core Competencies

Demonstrates expertise in residential mortgage origination, including loan processing, underwriting, and compliance with regulatory requirements. Proven ability to develop relationships with real estate professionals and generate leads while providing exceptional customer service.

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