Loan Originator

ADP, Inc.; McAllen (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

Affordable Homes of South Texas, Inc. seeks a Residential Mortgage Loan Originator to support pre-qualification, loan applications, and disclosures while ensuring accuracy and compliance.

You will interview borrowers, input data, verify information, and coordinate closings. The role requires 5+ years in mortgage origination, Spanish-English bilingual ability, and licensure with the Texas Department of Savings and Mortgage Lending, along with proficiency in Word, Excel, and Outlook.

Qualifications

• High school diploma, GED, or equivalent.
• Residential Mortgage Loan Originator license through the Texas Department of Savings and Mortgage Lending.
• 5+ years of experience in mortgage origination, processing, and closing.
• Proficiency with Microsoft Word, Excel, and Outlook.
• Bilingual in English and Spanish.

Responsibilities

• Interview applicants for pre-qualification and loan applications, input data into computer systems, issue disclosures, and order credit reports.
• Verify accuracy of data on applications.
• Review the loan file to ensure compliance with all applicable laws and requirements.
• Coordinate closing activities with Senior Loan Processor and/or the Legal Secretary.
• Prepare adverse action notices for denied loans.
• Perform post-closing review of all documents and make corrections as necessary.
• Attend outreach activities as needed.
• Aid primary staff in answering telephones, assisting walk-in customers, and providing general program information.
• Maintain a high level of ethical behavior and confidentiality.
• Perform other related duties as requested and assigned.

Skills

Bilingual: English/Spanish

Microsoft Word

Microsoft Excel

Microsoft Outlook

Education

High school diploma or GED

Tools

Encompass Mortgage software

Accounting software

Job description

Job Title

Residential Mortgage Loan Originator

Summary

The primary mission of this role is to support the mortgage lending process by assisting applicants with loan pre-qualification and application activities while ensuring accuracy, compliance, and exceptional customer service. This position interviews prospective borrowers, processes and verifies loan application information, reviews loan files for regulatory compliance, and coordinates closing activities to facilitate timely loan transactions. The role also prepares required notices, conducts post-closing reviews, provides program information to customers, and supports outreach efforts within the community. Success is measured by accurate and compliant loan processing, efficient coordination of loan activities, high-quality customer service, and the successful advancement of qualified applicants through the mortgage lending process.

Key Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Interview client applicants for mortgage loan pre-qualifications and or loan applications, input data into computer systems, issue disclosures, and order credit reports.
• Verify accuracy of data on applications.
• Review the loan file to ensure compliance with all applicable laws and requirements.
• Coordinate closing activities with Senior Loan Processor and/or the Legal Secretary.
• Prepare adverse action notice of all denied loans.
• Perform post-closing review of all documents and make corrections as necessary.
• Attend outreach activities as needed.
• Aid primary staff in the area by answering telephones, assisting walk-in customers, and providing general program information to interested parties.
• Maintain a high level of ethical behavior and adhere to confidentiality policy.
• Perform other related duties as requested and assigned.

Supervisory Responsibilities

This position does not have supervisory responsibilities.

Required Qualifications

• High school diploma, GED, or equivalent from an accredited institution.
• Residential Mortgage Loan Originator (RMLO) license through the Texas Department of Savings and Mortgage Lending.
• 5 or more years of experience in mortgage loan origination, processing, and closing.
• Proficiency with Microsoft Word, Excel, and Outlook.
• Bilingual in English and Spanish, with strong written and verbal communication.

Preferred Qualifications

• Ability to obtain a Notary Public Commission.
• Experience with Encompass Mortgage software.
• Experience with accounting software.
• Obtain clearance against the US General Services Administration (GSA) Excluded Party List.
• Obtain clearance against the HUD Limited Denial of Participation List (LDP List).
• Obtain clearance against the Federal Housing Finance Agency (FHFA) Suspended Counterparty Program (SCP) list.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.

Physical Demands

The physical demands outlined here represent the requirements necessary for an employee to perform the essential functions of this job successfully. While carrying out job duties, the employee must regularly communicate verbally and listen. Additionally, the employee is frequently required to stand, walk, use their hands for tasks such as handling or manipulating objects, and reach with their hands and arms.

Expected Work Hours

Some flexibility in hours is allowed, but the employee must be available during the organization's core work hours, which are Monday through Friday from 8:00 AM to 5:00 PM. A minimum of 40 hours per week is expected.

Travel

This position may require occasional travel outside the area for training.

Work Authorization

Applicants must be legally authorized to work in the United States. Verification of eligibility will be required at the time of hiring.

AAP/EEO Statement

Affordable Homes of South Texas, Inc. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Other Duties

This job description provides a general overview of the role and does not list all possible duties, responsibilities, or tasks required of the employee. These may change at any time, with or without notice.