Enterprise Lending Officer - Newport Beach
About The Position
This job is responsible for providing Consumer Lending advice to new-to-bank clients and external business development. Key responsibilities include applying mortgage lending principles and familiarity of Realtor, Builder, and Community contacts local to the market. Job expectations include having successful track-records of delivering lending services to clients by demonstrating an understanding of credit, lending guidelines, and the mortgage process. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
Requirements
- Has 3+ years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable, established network of referral sources
- Demonstrated understanding of effectively managing a pipeline in order to deliver an exceptional client experience
- Has a strong knowledge of loan products Conventional, Jumbo and Government.
- Demonstrated ability to understand, analyze, and document income, assets and liabilities properly in order to qualify clients for specific loan products
- Demonstrated understanding of processing, underwriting and/or closing procedures
- Has a working knowledge of federal regulations governing real estate lending
- Ability to source clients independently and not rely on enterprise referrals with demonstrated success in generating business from external Centers of Influence real estate professionals, builders, and other external referral partners in a compliant manner as well as within bank policy.
- An ability to work independently
- Is a strong communicator, both written and verbal
- Is self-motivated and highly organized
- Can prioritize multiple competing tasks
- Uses appropriate interpersonal styles, communication methods and approaches to gain clients and keep them informed during the loan process
- Demonstrated understanding of the connection of the level of service provided being directly correlated to driving sales volume
- Can be flexible to work weekends and or extended hours as needed to serve clients
Nice To Haves
- Familiarity with FHA and HUD guidelines
- Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information
- Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
- The ability to analyze and comprehend complex financial data and provide financial alternatives
- Professional and effective interpersonal skills
- An ability to take ownership, accountability and can demonstrate integrity
- Adaptability and can demonstrate flexibility
- A positive attitude
- Effective communication styles
Responsibilities
- Provides exceptional client care by providing advice oriented solutions with Consumer Lending and Core Banking products
- Engages in community development, outside sales activities, and external networking to responsibly grow client and market share
- Understands lending processes and credit guidelines to best develop solutions for each client's needs
- Manages daily client and loan pipelines with astute organization, follow up, and high degree of collaboration with loan fulfillment partners
- Leverages digital solutions, providing clients with a choice in preferred service pathways
- Maintains and adheres to all federal and state regulations and bank operational requirements, delivering compliant client advice conversations and fulfilling financial goals
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Industry
Credit Intermediation and Related Activities
Education Level
High school or GED
Number of Employees
5,001-10,000 employees
