Mortgage Loan Originator

Talentify; Oak Harbor (WA); On-site; USD 22,000 - 53,000; Full time

Benefits offered by this job

Medical, dental & vision

HSA/FSA options

401(k) 5% match

Employee Assistance Program

Paid time off

Tuition reimbursement

Paid holidays

Life and disability coverage

Job summary

Talentify in Oak Harbor, WA seeks a Mortgage Loan Officer to originate mortgage loans and promote related programs through real estate networks and personal contacts.

You will interview buyers, input applications, provide disclosures, gather documents, and guide loans through underwriting and closing with compliance and accuracy. Strong communication and sales skills are essential.

Qualifications

• Bachelor's degree in Business Administration with advanced industry courses in real estate lending.
• Two years of real estate lending experience with at least one year at the loan officer/originator level.
• Strong attention to detail and ability to perform industry related analysis.
• Strong selling and communication skills.
• Knowledge of real estate lending laws, regulations and programs.

Responsibilities

• Market mortgage loan programs to the real estate sales industry and to personal contacts.
• Develop and maintain loan referral relationships with real estate, accounting, legal and financial planning professionals.
• Interview buyer/applicants and originate investor mortgage loans; input applications and provide required estimates and disclosures.
• Ensure all loans are originated, disclosed and/or redirected accurately and timely per regulatory requirements.
• Prepare for submission to underwriting and ensure timely processing.
• Advise borrowers if declined and arrange refunds; return non-credit documents.
• Conduct sales presentations for Realtors to enhance business relations.
• Perform other duties as assigned.

Skills

Attention to detail

Selling skills

Communication skills

Regulatory knowledge

Mortgage knowledge

Education

Bachelor's degree

Real estate lending courses

Job description

Overview

Reports To

Varies by location

Primary Functions

Originate mortgage loans and promote related programs within the real estate profession and through personal networks.

Duties and Responsibilities

Market mortgage loan programs to the real estate sales industry and to personal contacts.

Develop and maintain loan referral relationships with professionals in real estate, accounting, legal and financial planning fields.

Interview buyer/applicants and originate investor mortgage loans. Accept applications and input them to the origination system, provide required estimates and disclosures, and gather required documentation and fees to process mortgage loans.

Ensure all loans are originated, disclosed and/or re-directed accurately and timely within all established regulatory compliance requirements and timeframes.

Ensure accurate processing is completed in a timely manner and prepare for submission to underwriting.

If the loan is approved, take final steps to ensure a smooth closing. If the loan is declined, verbally advise the borrower and issue applicable refunds. Return any documents not pertaining to credit.

Conduct sales presentations for Realtors as necessary to enhance business relations.

Perform other duties as assigned.

Qualifications

Education

Bachelors degree in Business Administration with advanced industry courses in real estate lending.

Creditable Experience in Lieu of Education

Two years of real estate lending experience with at least one year at the loan officer/originator level. Advanced industry courses in real estate lending.

Experience/Skills

Strong attention to detail and ability to perform industry related analysis required. Strong selling and communication skills. A good working knowledge of all aspects of real estate lending including knowledge of all applicable laws, regulations and programs. Proven ability to develop sources of mortgage loan application business.

Tenure

Not Applicable

Compensation

Starting base salary will be determined based on candidate experience, qualifications, education, and applicable local or state wage requirements, and will fall within the range provided below. In accordance with our Salary Administration policy, new hire base salaries generally fall between the minimum and midpoint of the listed range.

Salary Pay Range: 19

$21,500 - $53,000 annually

Benefits

• Short-term and long-term incentives
• Comprehensive medical, dental and vision insurance plan that has HSA and FSA options
• 401(k) plan with a 5% match
• Employee Assistance Program (EAP)
• Life and disability coverage
• Voluntary cash benefits for accident, hospitalization and critical illness
• Tuition Reimbursement
• Generous leave programs to include Paid Time Off accrual, Paid Sick Leave, Paid Holidays

Equal Opportunity Employer