Loan Originator - (West Region CA, MT, AZ)

Wintrust Financial Corporation • Los Angeles, CA

81d • $15

About The Position

Wintrust Mortgage was founded in 1981 to help customers achieve the American dream of homeownership and has since successfully navigated the ever-changing real estate market. As a full-service, federally chartered lender with offices located across the country, we’re dedicated to providing customers with a wide range of mortgage products and have the capability to lend in all 50 states. To complement the basic conventional, FHA, and VA loan programs, we are uniquely positioned to meet the needs of the continually evolving market. Wintrust Mortgage is part of Wintrust, a financial services company with more than $66 billion in assets. An employee in this position procures new mortgage transactions for the bank. The primary responsibility is to bring in new loan requests into the bank for processing. The Loan Originator is the primary contact for the loan applicant.

Requirements

• Minimum two years of mortgage loan origination experience.
• Thorough knowledge of pricing and underwriting requirements of various mortgage products and programs.
• Knowledge of residential mortgage processing, underwriting, and closing procedures.
• Thorough knowledge of federal lending regulations governing real estate lending, such as Truth-in-Lending, RESPA, and others.
• Ability to analyze financial information.
• Excellent interpersonal and communication skills required.
• A pleasant and professional demeanor is essential.
• Work requires sound judgment and diplomacy.
• Outlook proficiency required.
• Requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E Act of 2008.
• Ability to travel.

Responsibilities

• Assembles and reviews a new application and matches the applicant with a mortgage program.
• Handles the file until it is time to request loan documents and schedule closing.
• Assists the borrower in determining the proper loan program, completing the loan application, and gathering required supporting documentation.
• Conducts preliminary underwriting reviews.
• Remains front-line contact with the borrowers.
• Obtains and analyzes a credit report.
• Involved with the client during the application and closing process.
• Develops referral relationships with realtors, builders, bankers, and other sources to proactively solicit new business.

Benefits

• Medical Insurance
• Dental
• Vision
• Life insurance
• Accidental death and dismemberment
• Short-term and long term Disability Insurance
• Parental Leave
• Employee Assistance Program (EAP)
• Traditional and Roth 401(k) with company match
• Flexible Spending Account (FSA)
• Employee Stock Purchase Plan at 5% discount
• Critical Illness Insurance
• Accident Insurance
• Transportation and Commuting Benefits
• Banking Benefits
• Pet Insurance

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed
• Number of Employees: 5,001-10,000 employees