Mortgage Loan Officer

HomeSale Mortgage, LLC.; Lancaster (Lancaster County); Hybrid; USD 60,000 - 90,000; Full time

Job summary

HomeSale Mortgage, LLC. is seeking an experienced Loan Officer to serve applicants and prospective customers pursuing home loans. You will interview, pre-qualify, and pre-approve borrowers; gather documents; and provide regulatory disclosures with the customer.

You will quote rates, input data into LOS, and use AUS for credit recommendations. You will manage a loan pipeline, mentor colleagues, and engage in community outreach, association events, and sales meetings.

Qualifications

• Must have a valid NMLS #.
• Minimum 2 years' experience originating.
• Self-motivated with ability to establish referral partner relationships.
• Demonstrated commitment to delivering exceptional customer service.
• Proven sales record based on closed loan production.
• Currently possess sources of referral business for purchase transactions.
• Awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines.

Responsibilities

• Provides service to applicants and prospective customers seeking home loan, including interviewing, pre-qualification and pre-approval.
• Gathers documentation and completes applications.
• Reviews and completes regulatory disclosures with customers.
• Quotes rates and secures pricing with Secondary Marketing.
• Inputs data into LOS and uses AUS for credit recommendations.
• Maintains loan pipeline and communicates loan status with parties.
• Mentors other Loan Officers and participates in sales meetings.
• Represents the bank in community outreach and events.

Skills

NMLS #

Originating experience

Referral partner relationships

Customer service excellence

Sales track record

MS Office proficiency

Encompass software

Regulatory awareness

Education

High School Diploma or equivalent

Tools

Encompass

Microsoft Office

Job description

• Provides service to applicants and prospective customers seeking home loan, including interviewing, pre-qualification and pre-approval.


• Completes application and gathers supporting documentation.


• Reviews and completes regulatory disclosures with customer.


• Maintains existing and generates new sources of referral business.


• Quotes interest rates and secures pricing through the Secondary Marketing Department on behalf of the Customer.


• Inputs application data into Loan Origination Software (LOS).


• Utilizes automated underwriting systems (AUS) to obtain credit recommendations.


• Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties.


• Communicates with all parties in a professional and courteous manner.


• Manages his/her pipeline of loans to verify accuracy of the current loan status.


• Knows and abides by HomeSale Mortgage Policies and Procedures.


• Mentors other Loan Officers.


• Relays to Senior Management any industry changes or trends that may be of interest to them.


• Participates in HomeSale Mortgage association events.


• Must actively participate in all aspects of the Real Estate Office sales meetings and office functions. Prepares Mortgage Minutes for presentation at each sales meeting.Provides on-going training for the real estate agents (lunch and learns).Works closely with the Broker/Sales Manager


• Attends Loan Officer Meetings.


• Represents the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.


• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).

Minimum Required Skills and Competencies:

• Must have a valid NMLS #


• Minimum 2-years' experience originating

Self-motivated professional with a proven ability to quickly establish and maintain strong referral partner relationships

Demonstrated commitment to delivering exceptional customer service

• Proven sales record based on closed loan production


• Currently possess sources of referral business for purchase transactions


• High School Diploma or equivalent


• Awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines.

Desired Skills and Competencies:

• Working knowledge of Microsoft Office products.


• Working knowledge of Encompass software.
  #mortgage
  #hsm

Qualifications

Licenses & Certifications

Preferred

NMLS Registered

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.