Reno, NV Loan Originator (retail mortgage)

Hilltop Holdings•Reno, NV

About The Position

The Loan Originator markets and promotes PrimeLending products and services to realtors, builders, bank officers, potential clients, and past clients. Under the direction of the Branch and/or Production Manager, the role performs office or non-manual work related to the management or general business operations of PrimeLending and its customers. Loan Originators evaluate loan products and guide customers toward options suited to their needs and financial circumstances. They manage customer interactions and coordinate with all parties involved in each loan from application through closing, including counseling and pre-qualifying prospective home buyers, gathering and analyzing financial information, presenting loan terms, monitoring loan status, and ensuring conformity with terms. The role is expected to meet ongoing monthly minimum production standards for funded units or volume. The position also develops and maintains business relationships, stays informed about local real estate and competitive trends and mortgage regulations, and maintains a professional image consistent with company policies. It may include supervising loan officers, assistants, or processors. Duties may change at the Company's discretion and are not limited to those listed.

Requirements

High school diploma or equivalent.
Appropriate licenses as required by the state.
Valid driver’s license and current automobile liability insurance.
At least 12 months 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.
Active participation in the community and job-related organizations to build beneficial contacts.
Continue to expand knowledge of issues influencing the industry and the organization.

Responsibilities

Evaluate PrimeLending and other loan products and services to determine which financial products best meet customers’ needs and financial circumstances.
Establish and maintain relationships with realtors, bank officers, 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 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 all 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 required supporting documents, fees, and lock-in information.
Oversee the loan process by monitoring loan status and ensuring conformity with 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 affecting 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 duties as assigned.