Loan Specialist/ Loan Officer

Mindlance; Boise (ID); On-site; USD 60,000 - 85,000; Full time

Job summary

A leading mortgage company in Boise is seeking a Loan Officer to provide exceptional customer service throughout the mortgage process. Responsibilities include pre-qualifying borrowers, completing mortgage applications, and advising clients on loan options. Ideal candidates will possess strong communication skills and knowledge of mortgage loan products. This role requires compliance with regulations and maintaining licenses in applicable states. A fulfilling opportunity to contribute to clients' financial success awaits.

Qualifications

• Knowledge of mortgage loan products and regulations.
• Strong communication skills for customer interaction.
• Ability to analyze financial information of applicants.

Responsibilities

• Provide support and communication from pre-qualification to closing.
• Complete mortgage applications with accuracy.
• Pre-qualify applicants based on financial circumstances.
• Advise borrowers on loan options and risks.
• Assist potential borrowers in identifying and securing a mortgage loan appropriate for individual financial circumstances.
• Make inquiries of verified and documented information with respect to applicant’s income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of the property.
• Advise potential borrowers of risks/benefits of loan alternatives, including options & variables. Obtain and present loan options for each type of loan transaction the potential borrower has expressed interest (e.g., a fixed-rate loan, adjustable rate loan, etc.).
• Maintain high level knowledge of changes in market conditions, loan products & variations, and compliance.
• Consistently hit ongoing deadlines regarding loan originations, etc.
• Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs, and state/federal law and regulation.
• Other duties as assigned.

Skills

Sales support

Strong communication

Knowledge of mortgage applications

Financial analysis

Compliance knowledge

Job description

Job Description

Each Guardian Mortgage Loan Officer brings happiness and security to our clients by matching them to financially successful home mortgage loans in a timely, accurate and complaint manner.

• Provide sales support and strong communication to customers, processors, and management from loan pre-qualification to loan closing.
• Complete mortgage applications using GMC loan product system, including initial Mortgage policy and government regulations.
• Maintain in good standing all Loan Officer Licenses in State(s) for which Loan Officer is authorized to conduct business and performs services.
• Pre-Qualify potential borrowers according to policies and procedures and applicable law, collect and analyze each applicant’s financial information and assess financial circumstances to determine whether applicant and property qualify for a particular loan.
• Assist potential borrowers in identifying and securing a mortgage loan appropriate for individual financial circumstances.
• Make inquiries of verified and documented information with respect to applicant’s income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of the property.
• Advise potential borrowers of risks/benefits of loan alternatives, including options & variables. Obtain and present loan options for each type of loan transaction the potential borrower has expressed interest (e.g., a fixed-rate loan, adjustable rate loan, etc.).
• Maintain high level knowledge of changes in market conditions, loan products & variations, and compliance.
• Consistently hit ongoing deadlines regarding loan originations, etc.
• Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs, and state/federal law and regulation.
• Other duties as assigned.

Additional Information

For any queries or to discuss this opportunity in detail please call me back on 732 201 6656.