Licensed Mortgage Professional Assistant - Waite Park

Homeowners Financial Group USA, LLC; Waite Park (MN); On-site; USD 45,000 - 65,000; Full time

Benefits offered by this job

Paid time off

Health insurance

401k with discretionary match

Employee volunteer opportunities

Job summary

Homeowners Financial Group USA, LLC in Waite Park is seeking a Licensed Mortgage Professional Assistant to support the loan application process. The candidate should have a positive attitude, a strong customer service orientation, and about 3 years of experience in the lending field.

The role includes communicating with borrowers and ensuring document accuracy. Our company offers an award-winning culture and great benefits, including health insurance and paid time off.

Qualifications

• Minimum of 3 years’ experience in the lending field in the financial industry preferred.
• Mortgage processing and origination experience preferred.
• Must have strong customer service skills.

Responsibilities

• Supports Licensed Mortgage Professionals by ensuring loan documentation is accurate.
• Acts as a liaison with borrowers and other stakeholders.
• Tracks loans to ensure timely processing and funding.

Skills

Customer service skills

Strong written and verbal communication

Organizational skills

Proficient in PC skills (Excel, Word, Outlook)

Ability to read and interpret financial data

Relationship development

Education

High School Diploma or equivalent

Active Loan Mortgage Originator License through NMLS

Tools

Encompass

Optimal Blue

Job description

Description

Work for an Award Winning Company Culture! Are you an independent, self-starting, team player with a positive attitude? Are you passionate about giving back to your community? Do you want to work for a company that we like to think of as the “happiest place in mortgage” and has been voted a “Best Place to Work” for the last 17 years? Join our family at Homeowners Financial Group and you can take advantage of our great benefits.

Benefits

• Award-Winning Company Culture
• Employee volunteer opportunities
• 10 paid holidays
• Generous paid time off policy
• United Healthcare Benefits including medical, Delta dental & vision, life, and disability
• Ancillary Benefits include: Mutual of Omaha, MetLaw Legal Plan, Pet Benefit Solutions
• 401k with discretionary match
• Employee tenure program
• President's Club eligibility for both Sales and Operations staff

Who We Are

Homeowners Financial Group has over 300 employees in 41 offices across the country and has helped tens of thousands of homeowners realize home ownership. We are not your typical mortgage company: we foster a “family” environment, we give back to the community through dozens of charities and we love what we do!

Who We Want

We want a Licensed Mortgage Professional Assistant (LMPA) who reports to the Branch Manager and is responsible for providing support to one or more Homeowners Licensed Mortgage Professionals (LMP). The LMPA leverages the LMP’s time through customer contact, facilitating the timely electronic submission of mortgage loan application data into the mortgage origination software, collecting documentation from applicants, and performing various administrative tasks. The LMPA directly communicates with borrowers, realtors, builders, and other referring partners.

Essential Duties

• Oversees multiple aspects of origination, file management, communication, and the overall customer experience for the assigned LMP.
• Obtains and ensures all pieces of the loan documentation are complete and reviews for accuracy.
• Verifies all upfront required compliance disclosures (state, federal, and company-specific) are completed and signed by all parties.
• Acts as a liaison with Homeowners staff and departments to ensure borrower documentation necessary to qualify is collected and submitted to Processing.
• Reviews loan documentation inputted by LMP for data integrity.
• Tracks loans to ensure files move through processing, underwriting, closing, and funding in a timely manner to meet LMP’s deadlines.
• Completes data inquiry and entry into Encompass.
• Promptly responds to and answers customer inquiries.
• Provides continued counsel and customer service to borrowers throughout the entire loan process.
• Communicates general information to prospective applicants under the supervision of the LMP.
• Meets with borrowers when requested to collect and analyze their information regarding income, assets, investments, and/or debt in order to advise borrowers.
• Accurately obtains and reviews applicant’s credit history by examining individual credit and loan applications for adherence to guidelines, policies, and procedures determined by investor.
• Assists in evaluating possible loan scenarios and determines which financial products and investment options meet the borrower’s unique needs and financial situation.
• Manages active pipeline with Processors and LMP(s) by reviewing key dates, monitoring expirations, and following up with appraisal and title offers using various database management systems.
• Assists LMP(s) in developing and maintaining relationships with borrowers, realtors, builders, financial planners, and other referral sources.
• Keeps LMP(s) updated with loan status and identifies issues that need attention.
• Provides event and marketing support by preparing and distributing sales/marketing material to referral sources and clients.
• Ensures compliance with federal, state, and investor regulations and requirements.
• Understands and adheres to Federal Regulations.
• Makes copies and orders titles, appraisals, and verifications.
• Performs general clerical and administrative duties in support of the branch and LMP(s).
• At request of the assigned LMP, explains available loan program and rate options to customers.
• Works with the secondary marketing department to register and lock in a rate/program when the customer has confirmed their desire to lock in.
• Participates in Homeowners internal meetings and required trainings.
• Maintains a professional image and demonstrates understanding of and follows all Homeowners Policies and Procedures.
• Other duties as assigned.

Requirements

• High School Diploma or equivalent required.
• Minimum of 3 years’ experience in the lending field in the financial industry preferred.
• Active Loan Mortgage Originator License through NMLS required in all states in which loans are originated.
• Mortgage processing, origination, Title, Escrow, and/or underwriting experience preferred.
• Previous sales and administrative support preferred.
• Ability to read, analyze, and interpret financial data.
• Proficient PC skills to include Excel, Word, and Microsoft Outlook.
• Experience with Encompass/Optimal Blue/DU/LP and major origination systems preferred.
• Working knowledge of mortgage origination process, FNMA, FHA, VA, RD, and SAFE ACT guidelines.
• Excellent written and verbal communication skills.
• Strong customer service skills to internal and external customers.
• Ability to develop positive relationships.
• Exceptional organization and time management skills.
• Ability to manage multiple tasks and deadlines in a fast‑paced environment.
• Must be able to implement written procedures.
• Independent, self‑starting, team player with a positive attitude.

Working Conditions

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. This job may require handling objects up to 10 pounds frequently and 20 pounds occasionally. While performing the duties described herein, the employee is regularly required to sit; use hands and fingers to handle or feel in addition to talking and hearing. The employee is frequently required to stand and walk. The noise level in the work environment is usually moderate. Office environment is normally climate‑controlled.

Homeowners Financial Group is an Equal Opportunity Employer. All employment is decided on the basis of qualifications, merit and business need.