Consumer Direct Mortgage Loan Officer

About the position

Valon is seeking a Consumer Direct Mortgage Loan Officer to provide loan solutions for existing and prospective customers of Valon Mortgage. This role is crucial in delivering best-in-class customer service to support Valon's strategic goals. The primary objective will be to recapture future purchase and refinance loans for customers with mortgages within Valon's servicing portfolio, thereby strengthening customer and investor relationships.

Responsibilities

• Serve as customers' primary point of contact throughout the lending journey.
• Recommend curated loan solutions to prospective and existing Valon customers.
• Escalate customer concerns to management to ensure timely resolution.
• Streamline and manage pipeline, meeting required pull-through ratios and production targets.
• Collect customer documentation as required by investor guidelines.
• Analyze documentation and disclosures for accuracy and compliance.
• Collaborate with other members of the department to meet deadlines efficiently.

Requirements

• Bachelor's degree or equivalent work experience.
• Comprehensive knowledge of federal regulations (e.g. RESPA, TILA, ECOA, TRID, CFPB).
• Active MLO state licenses in NMLS.
• Thorough understanding of the underwriting process and agency and investor requirements.
• Strong written and oral communication skills.
• Ability to collaborate with other team members.
• 3+ years of mortgage originations experience.
• 2+ years of consumer direct mortgage experience.
• Previous experience with relevant technology (e.g. DU, LP, Encompass, CRMs).
• Ability to obtain and maintain MLO state licenses throughout tenure with the company.

Benefits

• Competitive salary plus monthly commission on all production up to 55 Basis Points and a 401(k) plan with a 4% annual match!
• No weekends or late nights required!
• 17 days of paid time off, 5 additional paid sick days, and 11 paid company holidays!
• Comprehensive, low-cost medical, dental, & vision benefits, and an EAP for additional support!
• In-office snacks and drinks (and Bagel Fridays)!
• Company-wide New Hire Orientation and other learning and development opportunities including quarterly possibilities for promotion and annual performance reviews.
• Birthing and non-birthing parents receive 12 weeks of FULLY PAID time off to focus on their new addition(s)!