Licensed Mortgage Professional Assistant - Waite Park

Homeowners Financial Group • Waite Park, MN

10d • Onsite

About The Position

Work for an Award Winning Company Culture! Are you an independent, self-starting, team player with a positive attitude? Are you passionate about giving back to your community? Do you want to work for a company that we like to think as the “happiest place in mortgage” and has been voted a “Best Place to Work” for the last 17 years? Join our family at Homeowners Financial Group and you can take advantage of our great benefits.

Who We Are: Homeowners Financial Group has over 300 employees in 41 offices across the country and has helped tens of thousands of homeowners realize home ownership. We are not your typical mortgage company: we foster a “family” environment, we give back to the community through dozens of charities and we love what we do!

Who We Want: We want a Licensed Mortgage Professional Assistant (LMPA) who reports to the Branch Manager and is responsible for providing support to one or more Homeowners Licensed Mortgage Professionals (LMP). The LMPA leverages the LMP’s time through customer contact, facilitating the timely electronic submission of mortgage loan application data into the mortgage origination software, collecting documentation from applicants, and various other administrative tasks. The LMPA directly communicates with borrowers, realtors, builders, and other referring partners.

Requirements

• High School Diploma or equivalent required
• Minimum of 3 years’ experience in lending field in the financial industry preferred
• Active Loan Mortgage Originator License through NMLS required in all states in which loans are originated
• Mortgage processing, origination, Title, Escrow, and/or underwriting experience preferred
• Previous sales and administrative support preferred
• Ability to read, analyze, and interpret financial data
• Proficient PC skills to include Excel, Word, and Microsoft Outlook
• Experience with Encompass/Optimal Blue/DU/LP and major origination systems preferred
• Working knowledge of mortgage origination process, FNMA, FHA, VA, RD, and SAFE ACT guidelines
• Excellent written and verbal communication skills
• Strong customer service skills to internal and external customers
• Ability to develop positive relationships
• Exceptional organization and time management skills
• Ability to manage multiple tasks and deadlines in a fast-paced environment
• Must be able to implement written procedures
• Independent, self-starting, team player with a positive attitude

Responsibilities

• Oversees multiple aspects of origination, file management, communication, and the overall customer experience for their assigned LMP
• Obtains and ensures all pieces of the loan documentation are complete and reviews for accuracy
• Verifies all upfront required compliance disclosures (state, federal, and company-specific) are completed and signed by all parties
• Acts as a liaison with Homeowners staff and departments to ensure borrower documentation necessary to qualify is collected and submitted to Processing
• Reviews loan documentation inputted by LMP for data integrity
• Tracks loans to ensure files move through processing, underwriting, closing, and funding in a timely manner to meet LMP’s deadlines
• Completes data inquiry and entry into Encompass
• Promptly responds and answers customer inquiries
• Provides continued counsel and customer service to borrowers throughout the entire loan process
• Communicates general information to prospective applicants under the supervision of the LMP
• Meets with borrowers when requested to collect and analyze their information regarding income, assets, investments, and/or debt in order to advise borrowers
• Accurately obtains and reviews applicant’s credit history by examining individual credit and loan applications for adherence to guidelines, policies, and procedures determined by investor
• Assists in evaluating possible loan scenarios and determines which financial products and investment options meets the borrower’s unique needs and financial situation
• Manages active pipeline with Processors and LMP(s) by reviewing key dates, monitoring expirations, and following up with appraisal and title offers using various database management systems
• Assists LMP(s) in developing and maintaining relationships with borrowers, realtors, builders, financial planners, and other referral sources
• Keeps LMP(s) updated with loan status and identifies issues that need attention
• Provides event and marketing support by preparing and distributing sales/marketing material to referral sources and clients
• Ensures compliance with federal, state, and investor regulations and requirements
• Understands and adheres to Federal Regulations
• Makes copies and orders titles, appraisals, and verifications
• Performs general clerical and administrative duties in support of the branch and LMP(s)
• At request of their assigned LMP, explains available loan program and rate options to customers
• Works with the secondary marketing department to register and lock in a rate/program when the customer has confirmed their desire to lock in at rate
• Participates in Homeowners internal meetings and required trainings
• Maintains a professional image and demonstrates an understanding of and follows all Homeowners Policies and Procedures
• Other duties as assigned

Benefits

• Award-Winning Company Culture
• Employee volunteer opportunities
• 10 paid holidays
• Generous paid time off policy
• United Healthcare Benefits including medical, Delta dental & vision, life, and disability
• Ancillary Benefits include: Mutual of Omaha, MetLaw Legal Plan, Pet Benefit Solutions
• 401k with discretionary match
• Employee tenure program
• President's Club eligibility for both Sales and Operations staff

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED