LOAN ORIGINATOR

Golden Empire Mortgage • Selma, CA

430d

About The Position

The Mortgage Loan Originator at Golden Empire Mortgage (GEM) is responsible for the origination of mortgage loans, conducting pre-qualification interviews, and preparing loan application packages. This role emphasizes building lasting customer relationships and ensuring high levels of client satisfaction while adhering to company policies and investor guidelines.

Requirements

• High School diploma or GED required.
• NMLS MLO License required.
• Ability to prioritize and multi-task in a fast-paced environment.
• Exceptional attention to detail and motivation.
• Excellent communication skills.

Nice To Haves

• Knowledge of automated underwriting systems (DU/LP).
• Understanding of HUD and RESPA Regulations.
• Comprehensive understanding of legal, compliance, and investor requirements.

Responsibilities

• Originate own sales by contacting prospective clients and developing referral sources.
• Spend over 50% of time away from the employer's place of business selling loan products.
• Interview clients, take applications, and process preliminary documentation on loan requests.
• Discuss loan alternatives, credit criteria, interest rates, and loan documentation with customers.
• Assess customer applications and evaluate products, pricing, and other variables to determine suitable mortgage products.
• Submit all files to operations staff for processing, underwriting, closing, and funding within designated time frames.
• Perform follow-up work to achieve conditional loan approval within established time frames.
• Lock in rates and programs for customers when reasonably requested and in a timely manner.
• Complete lending operations in accordance with established company policies and legal requirements.
• Establish and maintain effective and professional business relations with customers, realtors, building professionals, and referral partners.
• Maintain current knowledge of all lending programs, policies, procedures, and regulatory requirements.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: High school or GED