Loan Originator, Sr NE Bakersfield, CA

PrimeLending, A PlainsCapital Company; Bakersfield (CA); Sur place; USD 85 000 - 115 000; Plein temps

Résumé du poste

PrimeLending, a PlainsCapital Company, is seeking a Mortgage Loan Originator in Bakersfield, CA. You will market PrimeLending’s loan products, build relationships with realtors and builders, and manage the loan process from application through closing.

You will assess customer financials, present loan options, and ensure processing standards are met. You should have 5+ years of loan originator experience, valid licenses as required, and strong communication and presentation skills.

Qualifications

• Minimum of 5 years loan originator experience.
• Appropriate licenses, if State required.
• Excellent and effective presentation and communication skills.
• Ability to quickly assess and process large amounts of data using AU software.
• Active involvement in the community to expand contacts.
• Exempt status under FLSA may apply.

Responsabilités

• Evaluates loan products to meet customer needs and circumstances.
• Develops relationships with realtors, builders, and sales agents.
• Markets PrimeLending products and services.
• Meets minimum production standards by handling loan applications.
• Monitors loan process from application to closing and liaises with parties.
• Collects and analyzes customer income, assets, and debts.
• Advises customers on loan product advantages and disadvantages.
• Oversees documentation, fees, lock information, and loan status.
• Communicates loan status to all stakeholders and closes loans.

Connaissances

Presentation skills

Communication skills

Judgment and decision-making

Data analysis

Formation

High school diploma or equivalent

Outils

AU software

Description du poste

Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers.

Responsibilities

• Evaluates PrimeLending’s and other loan products and services and determines which financial products best meet the customer’s needs and financial circumstances.
• Establishes and maintains relationships with realtors, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required.
• Markets and promotes PrimeLending’s financial products;
• Originators are expected to meet the Company’s minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending’s product set.
• Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers.
• Collects and analyzes information regarding the customer’s income, assets, investments or debts.
• Advises the customer regarding the advantages and disadvantages of different loan products.
• Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information.
• Oversees the loan process by monitoring loan status and ensures conformity with terms.
• Communicates loan status to all interested parties, and obtains loan documentation after closing.
• Presents terms and conditions of loans with customers.
• Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages.
• Maintains a professional image and adheres to standards consistent with company policies and procedures.
• May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s).
• Other functions as needed.

Qualifications

• High school diploma or equivalent
• Appropriate licenses, if State required.
• A minimum of 5 years loan originator experience required.
• Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc.
• Demonstrated judgment and decision-making ability. Excellent and effective presentation and communication skills, both verbal and written.
• Ability to quickly assess and process large amounts of data and use of appropriate AU software technology.
• Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts.
• Continue to expand knowledge of issues influencing the industry and the organization.
• In accordance with the US Department of Labor Regulations Part 541-Exemptions under the Fair Labor Standards Act (FLSA) Section 13 (a)(1) employees who meet certain tests will qualify for Exempt Status.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

About Us

PrimeLending, a PlainsCapital Company®, is a people-first company on a mission to make the home loan process simple and stress-free. Since 1986, we’ve been working together as a team to support our customers, co-workers and communities and make a positive impact on all the lives of all we serve. Whether on the frontline working directly with customers in our branches or behind the scenes supporting our loan officers, our team members each play a vital role in delivering an outstanding customer experience.

Award-Winning Culture

Known for having an empowering, supportive culture, PrimeLending is a place where each individual has an important voice, can be themselves and thrives. Our organization exudes an infectious spirit of optimism and humanity, making PrimeLending a great workplace.

• #7 2023 Energage Top Workplaces in the USA 1
• # 11 2023 Energage Top Workplaces in Financial Services 1
• Top 25 2023 Fortune Best Workplaces for Women™ 2
• Top 25 2023 Fortune Best Workplaces in Financial Services™ 2
• Top 50 2023 Fortune Best Workplaces for Millennials™ 2
• #11 2023 Fortune Best Workplaces in Texas™ 2
• Scotsman Guide 2024 Top Workplaces 3 (Editor’s Pick)
• #7 2023 Dallas Morning News Top Workplaces 4

Key Facts About PrimeLending

• Established in 1986
• Part of Hilltop Holdings Inc. (NYSE: HTH) a diverse financial services company
• #11 2023 Top Retail Volume, Scotsman Guide
• #15 2023 Top Overall Volume, Scotsman Guide 3
• 400+ purchase, renovation, refinance and reverse mortgage products
• National lender with coverage in all 50 states
• 2023 Best-in-Class Lender in 4 categories by MortgageCX 5
• Branches located in 42 states
• 96% customer satisfaction rating 6
• 4.9 national average star rating on Google
• 22,000+ five star Zillow reviews

1 Energage Top Workplaces Awards

2 Great Place to Work

3 Scotsman Guide

4 The Dallas Morning News

5 MortageCX

6 Survey administered and managed by an independent third party following loan closing. PrimeLending received an overall 96% Customer Satisfaction Rating for the period 1/1/23-12/31/23.

About The Team

PrimeLending’s loan originators are the company’s frontline establishing a local presence and driving growth one closed loan at a time. These dedicated mortgage professionals know how to collaborate with business partners, offer guidance, find solutions, meet deadlines, and ultimately help our customers become happy homeowners.

If you're ready to join our team and unleash your unlimited potential, we're looking for doers, visionaries, entrepreneurs, and leaders who welcome the challenge.