Loan Officer

VOLO LOANS, LLC; Utah; On-site; USD 50,000 - 80,000; Full time

Benefits offered by this job

Comprehensive medical, dental, and vision insurance

401(k)

Dedicated processing and marketing support

Job summary

Valid8 Financial, Inc. is looking for a detail-oriented Loan Officer to guide borrowers through the home-financing journey. You will be the primary contact for clients, analyzing their financial status and providing expert guidance on loans.

The ideal candidate has at least 2 years of experience in residential mortgage lending and a strong understanding of Fannie Mae and Freddie Mac guidelines. This role comes with a commission-based structure and comprehensive benefits.

Qualifications

• Minimum of 2 years of experience in residential mortgage lending or a similar sales-driven financial role.
• Active NMLS License is a plus, but not required.
• Strong understanding of current interest rate trends and agency guidelines.

Responsibilities

• Proactively source new origination opportunities through networking.
• Resolve loan file issues and communicate effectively.
• Analyze applicant financial status to determine loan feasibility.
• Educate borrowers on various loan products.

Skills

Customer service skills

Communication skills

Analytical skills

Understanding of Fannie Mae and Freddie Mac guidelines

Tools

Loan Origination Systems (LOS)

Encompass

Byte

Calyx Point

Job description

We’re not just a lender. We’re a financial bridge, connecting the U.S. systems you trust with the Costa Rican property you’ve been dreaming about. Volo Loans helps U.S. citizens confidently finance residential properties in Costa Rica with U.S.-regulated loans, expert guidance, and closings that actually happen on time. Our mission is to make buying property in paradise feel less like a gamble, and more like coming home.

Role Description

Volo Loans is seeking a self-starting, detail-oriented Loan Officer to join our team. You will be the primary point of contact for borrowers, guiding them through the home-financing journey from initial application to the closing table. The ideal candidate possesses an in-depth understanding of Fannie Mae and Freddie Mac guidelines and has a passion for providing exceptional customer service.

Role Responsibilities

• Proactively source new origination opportunities through a network of real estate agents, builders, and past client referrals.
• Resolve issues relating to the loan file and communicate/coordinate solutions effectively to borrower and Volo Loans team members.
• Meet, or exceed, established sales goals while maintaining a high standard of customer satisfaction and loan quality.
• Analyze applicant financial status, credit, property evaluations, and residential history to determine feasibility of loan options.
• Educate borrowers on various loan products and structure deals that align with their long‑term financial goals.
• Take thorough and accurate initial loan applications and ensure all required documentation is collected upfront.
• Quote and disclose accurate fees pertaining to the origination of the loan transaction.
• Work closely with team members to move loans through the pipeline efficiently, ensuring all underwriting conditions are met.
• Maintain strict adherence to all federal and state regulations.
• Perform any other reasonable duties required by Volo Loans management team.

Experience Requirements

• Active NMLS License is a plus, but not required.
• Minimum of 2 years of experience in residential mortgage lending or a similar sales-driven financial role.
• Experience navigating Loan Origination Systems (LOS) like Encompass, Byte, or Calyx Point.
• Strong understanding of current interest rate trends, secondary market pricing, and agency guidelines (Fannie Mae, Freddie Mac).
• Exceptional verbal and written communication skills with the ability to explain complex financial concepts.
• Excellent customer service skills to manage internal and external relationships.

Benefits & Compensation

• Commission-based structure with a forgivable monthly draw for the first 90 days.
• Dedicated processing and marketing support to help you scale your business.
• Comprehensive medical, dental, and vision insurance; 401(k).