Outside Loan Originator

American Neighborhood Mortgage Acceptance Company; Lakeland (FL); On-site; USD 14,000 - 65,000; Full time

Benefits offered by this job

Medical, dental and vision plans

401K

Job summary

AnnieMac Home Mortgage is seeking a Full Time External Mortgage Loan Originator in Lakeland, FL to establish referral partnerships with real estate brokers and other lenders, generating a steady flow of loan volume. Candidates should have experience directly related to the Mortgage Industry.

Under the Branch Manager's supervision, you will travel frequently (80%), interview borrowers, pre-qualify, present loan options, and manage the end-to-end process from application to closing.

Qualifications

• Must have excellent communication skills and the ability to analyze financial information.
• Sales-oriented self-starter with a revenue focus.
• Knowledge of pricing and underwriting considerations for mortgage products.

Responsibilities

• Sell mortgage loans to customers primarily away from AnnieMac Home Mortgage offices.
• Build and maintain relationships with realtors, title/escrow officers, financial advisers, CPAs, and others.
• Lead lead-generation activities, attend closings/open houses, and conduct seminars.
• Collect borrower information and complete loan applications.
• Pre-qualify borrowers by analyzing income and debt.
• Counsel borrowers on loan options and costs.

Skills

Communication

Sales

Financial analysis

Education

High School

Job description

Job DetailsJob Location: 6500 Lakeland FL - Lakeland, FL 33801

Position Type: Full Time

Education Level: High School

Salary Range: $13,500.00 - $65,000.00

CommissionTravel Percentage: Road Warrior

Job Category: Sales

AnnieMac Home Mortgage is looking to hire Full Time External Mortgage Loan Originators to establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources. Candidates should have experience directly related to the Mortgage Industry.

Job responsibilities

Under the direct supervision of the Branch Manager, the job responsibilities of the External Mortgage Loan Originator position include, but are not limited to, the following:

• Primary duty is to sell mortgage loans to customers away from and outside of AnnieMac Home Mortgages places of business. Work done at AnnieMac Home Mortgages offices is related and supplemental to outside sales.
• Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.
• Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.
• Take information from the borrower and fill out the loan application.
• Develop relationships with referral partners such as realtors to generate new customers.
• Analyze the prospective borrowers income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.
• Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.
• Collect financial information (tax returns, bank statements) and other related documents that are part of the application process;
• Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.
• Counsel and advise the borrower in understanding and clearing credit problems.
• Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.
• Order legal documents.
• Review HUDS prior to closing.

Qualifications

• Must have appropriate state license or certificate (varies by state).
• Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
• Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.
• Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.).
• Must have excellent communication skills and the ability to analyze financial information.
• Must be a sales-oriented self-starter.

Work Environment/Physical Demands

Travel is required 80% of the time.

Benefits

• medical, dental and vision plans
• voluntary benefits, including 401K

AnnieMac Home Mortgage is an Equal Opportunity Employer

AnnieMac Home Mortgage participates in E-Verify.