Outside Loan Originator

Interlinc Mortgage Services; Edmond (OK); On-site; USD 70,000 - 110,000; Full time

Job summary

InterLinc Mortgage Services is seeking an Outside Loan Originator to provide residential mortgage loans and generate leads. The role involves traveling more than 50% of the time and engaging with realtors, builders, and title companies to expand business.

You will assess borrower creditworthiness, educate clients on loan programs, respond to questions, and manage the loan process from pricing to closing while adhering to all regulatory guidelines.

Qualifications

• Requires a high school diploma.
• ,
• Must possess knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA and investor guidelines and related banking laws.

Responsibilities

• Engage in the sale of residential mortgage loan products.
• Establish and maintain relationships with realtors, title companies, and related partners.
• Originate mortgage loans including pricing and locking pre-approved transactions.
• Disclose Loan Estimates and ensure timely submissions.

Skills

Sales

Relationship building

Customer service

Mortgage product knowledge

Lead generation

Education

High School Diploma

Bachelor’s degree preferred

NMLS license

Tools

Mortgage origination systems

Job description

Summary / Objective

The Outside Loan Originator provides residential mortgage loans to borrowers looking to purchase real estate or refinance an existing mortgage and generates leads to increase production. An Outside Loan Originator works greater than 50% of the time away from the office.

Essential Duties

• Responsible for engaging in the sale of mortgage loan products and services to residential mortgage customers.
• Establishes and maintains relationships with realtors, builders, title companies and other related companies to generate and expand business through the execution of marketing campaigns and promotional events. Hosts community education seminars for real estate professionals.
• Identifies the creditworthiness of borrowers by examining credit reports, tax returns and assets.
• Counsels borrowers on the appropriate loan programs and educates them on the mortgage loan process. Responds to customer questions and concerns.
• Originates mortgage loans, including pricing and locking pre‑approved loan transactions. Discloses Loan Estimates and other necessary documents within the required timeframes.
• Makes and maintains current knowledge of agency and investor guidelines as well as state and federal regulations.
• Follows up on leads, loan applications, missing items, and conditions. Ensures items are submitted prior to the service‑level agreement deadlines.
• Updates borrowers and their agents on the status of loan applications.
• Oversees the production pipeline and resolves escalated issues to ensure loan transactions close correctly and in a timely manner.
• Provides superior customer service to achieve customer satisfaction.
• Diligently adheres to all provisions as detailed in Exhibit B of Employment Agreement.

Qualifications – Required Education / Experience

• Requires a high school diploma.
• Must possess working knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and investor guidelines and state and federal banking laws and regulations, such as TRID, TILA, RESPA, HMDA, FCRA, ECOA, SAFE Act, QM, UDAAP and Flood Disaster Protection.

Preferred Education / Experience

• Preferable to have a bachelor’s degree and many years of experience in originating loans.
• Must possess working knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and investor guidelines and state and federal banking laws and regulations, such as TRID, TILA, RESPA, HMDA, FCRA, ECOA, SAFE Act, QM, UDAAP and Flood Disaster Protection.

Additional Qualifications for Eligibility

• Additional qualifications for eligibility include an NMLS license.

InterLinc Mortgage is an EEO company.