Outside Loan Originator

Interlinc Mortgage Services; Jersey Village (TX); On-site; USD 60,000 - 90,000; Full time

Job summary

InterLinc Mortgage is seeking an Outside Loan Originator to provide residential mortgage loans and generate leads. This role requires traveling off-site more than 50% of the time and building relationships with real estate professionals.

You will counsel borrowers, disclose required documents, and stay updated on guidelines and regulations. Requires knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA programs and related laws; a NMLS license is preferred or required for eligibility.

Qualifications

• Requires high school diploma; knowledge of major loan programs and state/federal banking laws.
• Experience with loan origination and mortgage processes preferred; NMLS license required for eligibility.

Responsibilities

• Engage in sale of mortgage loan products to residential customers.
• Establish and maintain relationships with realtors, builders, title companies to generate business.
• Identify borrowers' creditworthiness by examining credit reports and assets.
• Counsel borrowers on loan programs and educate on mortgage process.
• Originate loans, including pricing and locking pre‑approved transactions; disclose Loan Estimates timely.
• Maintain knowledge of agency and investor guidelines and applicable regulations.
• Follow up on leads, applications and conditions; ensure timely submission.
• Update borrowers and agents on loan status.
• Oversee production pipeline and resolve escalations to close on time.
• Provide superior customer service to achieve satisfaction.
• Adhere to employment agreement terms.

Skills

Loan origination

Relationship mgmt

Mortgage guidelines

Regulatory compliance

Education

High school diploma

Bachelor’s degree (preferred)

NMLS license

Job description

Job Location

Jersey Village, TX 77040

Summary

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.

Reasonable accommodations may be made to enable individuals with disabilities to carry out essential functions.

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.
• 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 ExhibitB of Employment Agreement.

Qualifications (Required Education/Experience)

Requires a high school diploma. Must possess working knowledge of FannieMae, FreddieMac, FHA, VA, USDA, and investor guidelines and state and federal banking laws and regulations, such as TRID, TILA, RESPA, HMDA, FCRA, ECOA, SAFEAct, 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 FannieMae, FreddieMac, FHA, VA, USDA, and investor guidelines and state and federal banking laws and regulations, such as TRID, TILA, RESPA, HMDA, FCRA, ECOA, SAFEAct, QM, UDAAP and Flood Disaster Protection.

Additional Qualifications for Eligibility

Additional qualifications for eligibility include an NMLS license.

InterLinc Mortgage is an EEO company.