Loan Originator, Sr NE Bakersfield, CA

Hilltop Holdings • Bakersfield, CA

6d

About The Position

Under the direction of the Branch and/or Production Manager, the Senior Loan Originator markets and promotes PrimeLending products and services to realtors, builders, bank officers, potential clients, and past clients. The role evaluates loan products and services to identify options suited to customers’ needs and financial circumstances, takes loan applications, and guides customers through the mortgage process from application through closing.

Loan Originators are expected to meet the company’s minimum monthly production standards for funded units or volume. The role involves building and maintaining business relationships, counseling and pre-qualifying home buyers, collecting and analyzing financial information, advising customers on loan options, coordinating with parties involved in each loan, monitoring loan status and terms, and communicating with interested parties. The position may also supervise loan officers, assistants, or processors. It is described as office or non-manual work directly related to the management or general business operations of PrimeLending and its customers.

Requirements

• High school diploma or equivalent.
• Appropriate licenses, if required by the state.
• At least 5 years of loan originator experience.
• Demonstrated judgment and decision-making ability.
• Excellent and effective verbal and written presentation and communication skills.
• Ability to quickly assess and process large amounts of data and use appropriate AU software technology.
• Must be active in the community and in job-related organizations to enhance a network of beneficial contacts.
• Continue expanding knowledge of issues influencing the industry and the organization.

Responsibilities

• Evaluate PrimeLending’s and other loan products and services and determine which financial products best meet customers’ needs and financial circumstances.
• Establish and maintain relationships with realtors, builders, and new-home sales representatives to develop and retain business, including visiting subdivisions as required.
• Market and promote PrimeLending’s financial products.
• Meet the company’s minimum ongoing monthly production standards for funded units or volume by taking complete and accurate loan applications using PrimeLending’s product set.
• Monitor customer interactions and coordinate with parties involved in each loan from application to closing, including counseling and pre-qualifying potential home buyers.
• Collect and analyze information about customers’ income, assets, investments, and debts.
• Advise customers about the advantages and disadvantages of different loan products.
• Service existing customers and obtain necessary supporting documents, appropriate fees, and rate-lock information.
• Oversee the loan process by monitoring loan status and ensuring conformity with loan terms.
• Communicate loan status to interested parties and obtain loan documentation after closing.
• Present loan terms and conditions to customers.
• Stay informed about local real estate market and competitive trends, and changes to rules and regulations for private and government-insured mortgages.
• Maintain a professional image and adhere to company policies and procedures.
• May supervise and direct loan officers, loan officer assistants, or loan processors.
• Perform other functions as needed.

What This Job Offers

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