Mortgage Loan Officer

Jobtailor

Chula Vista (CA)

On-site

USD 65,000 - 90,000

Full time

14 days+

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Job summary

Jobtailor in California is seeking a mortgage loan processor to generate and pre-qualify borrowers, process applications, and maintain strict ethical standards. You will manage Velocify-based follow-ups, provide accurate rate quotes, and ensure compliant file handling from origination to closing.

The role requires NMLS licensing and experience with Velocify or Encompass is a plus. Demonstrated sales/customer service ability and strong communication are essential for success in a fast-paced

Qualifications

NMLS licensed is required
Experience with Velocify is a plus
Experience with Encompass is a plus
Proven experience as a telemarketer or similar sales/customer service role
Strong communication skills
Proficient with basic office software (word processing, spreadsheets, email, presentation software)
Ability to multitask in a fast-paced environment
Work professionally with a wide array of personalities
Maintain high ethical standards

Responsibilities

Generate and pre-qualify potential borrowers, complete all loan applications and documents, obtain all required supporting documents and information, process loan applications and submit a complete loan file in a timely manner in compliance with company and lender procedures
Maintain a follow up system for any hot leads via our in-house system, Velocify
Send a daily call report with results to management
Keep records of calls and sales and record useful information
Understand the customer's requirements in a short time and present solutions that meet their needs
Provide company headquarters with neat and orderly accounting information, bank statements, pipeline and closing reports on a periodic basis
Provide applicants with accurate interest rate quotes and loan information
Maintain the highest level of business and professional ethics and practices and strictly avoid any form of loan fraud or any other variation of fraudulent, illegal or unfair dealings
Retain copies of all loan files originated, whether or not the loan was closed, rejected or withdrawn, for a period of time to comply with all applicable company policies, state, and federal laws
Attract new mortgage loan applications by developing relationships within the community and making sales calls to prospective clients
Monitor collection, verification and preparation of mortgage loan documentation
Schedule and complete mortgage loan closing
Maintain strict client confidentiality
Exhibit a high level of working knowledge of agency and government loan guidelines and packaging requirements, primarily with purchase transactions
Educate customers on the different type of loans and credit options available to them, including the terms associated with each
Continue education to remain compliant with NMLS requirements
Complete any additional duties assigned by management

Skills

Strong communication skills

Sales/customer service experience

Multitasking in fast-paced environment

Ethical standards

Tools

Velocify

Encompass

Basic Office Software

Job description

Generate and pre-qualify potential borrowers, complete all loan applications and documents, obtain all required supporting documents and information, process loan applications and submit a complete loan file in a timely manner in compliance with company and lender procedures
Maintain a follow up system for any hot leads via our in-house system, Velocify
Send a daily call report with results to management
Keep records of calls and sales and record useful information
Understand the customer's requirements in a short time and present solutions that meet their needs
Provide company headquarters with neat and orderly accounting information, bank statements, pipeline and closing reports on a periodic basis
Provide applicants with accurate interest rate quotes and loan information
Maintain the highest level of business and professional ethics and practices and strictly avoid any form of loan fraud or any other variation of fraudulent, illegal or unfair dealings
Retain copies of all loan files originated, whether or not the loan was closed, rejected or withdrawn, for a period of time to comply with all applicable company policies, state, and federal laws
Attract new mortgage loan applications by developing relationships within the community and making sales calls to prospective clients
Monitor collection, verification and preparation of mortgage loan documentation
Schedule and complete mortgage loan closing
Maintain strict client confidentiality
Exhibit a high level of working knowledge of agency and government loan guidelines and packaging requirements, primarily with purchase transactions
Educate customers on the different type of loans and credit options available to them, including the terms associated with each
Continue education to remain compliant with NMLS requirements
Complete any additional duties assigned by management

Requirements

NMLS licensed is required
Experience working with Velocify is a plus
Experience working with Encompass is a plus
Proven experience as a telemarketer or similar sales/customer service role
Strong communication skills
Proficient working knowledge of basic office software, including word processing, spreadsheets, e mail accounts and presentation software
Ability to multitask in a fast-paced environment
Work professionally with a wide array of personalities, both within and external of the company
Maintain high ethical standards

Core Competencies

Demonstrates expertise in mortgage loan processing, including generating and pre-qualifying borrowers, maintaining compliance with NMLS requirements, and utilizing tools like Velocify and Encompass. Exhibits strong communication skills and ethical standards while managing client relationships and documentation.

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