Loan Originator

Golden Empire Mortgage • 93309, CA

2d • Remote

About The Position

Join the GEM Mortgage Team! At VERO Mortgage, a division of Golden Empire Mortgage, we are a respected leader in the mortgage industry with nearly 40 years of experience. Our core belief is that our borrowers' interests come first, and we are dedicated to providing clients with expert financing advice, believing that everyone deserves access to credit. Our mission is to build long-lasting relationships with borrowers and real estate partners, be an employer of choice with growth opportunities for our team members, and operate as a trustworthy, financially sound enterprise that positively influences our communities. Our LEADER values guide everything: Loyalty, Excellence, Accountability, Driven for continuous improvement, Engaged to deliver success, and Reliability. If you're passionate about making a real difference in people's lives, delivering exceptional service, and growing your career with a company that truly values its people and its purpose, we invite you to explore opportunities with us. Come join VERO Mortgage and help us empower clients and communities! GEM Mortgage, a division of Golden Empire Mortgage (GEM), has been a respected lender for nearly 30 years. Our business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence. GEM is about people, and building lasting customer relationships. We understand that the lending process can be intimidating, which is why we ensure all employees uphold the highest level of client satisfaction. We pride ourselves on integrity, knowledge, and state-of-the-art technology to provide customers with excellent customer service and the best rates possible.

Requirements

• High School or GED required.
• NMLS MLO License.
• Ability to prioritize and multi-task, while working in a fast paced environment.
• Exceptionally detailed, focused and motivated professional.
• Excellent communication skills.
• Pleasant with customers, business partners and colleagues.
• Knowledge of automated underwriting systems (DU/LP), HUD and RESPA Regulations.
• Comprehensive understanding of legal, compliance and Investor requirements.

Responsibilities

• Responsible for originating own sales by contacting prospective clients and by developing and maintaining referral sources.
• Spend over 50% of time away from employer’s place of business in performing principal duty of selling loan products offered by company.
• Interviews, takes applications, and processes preliminary documentation on loan requests.
• Discusses loan alternatives, credit criteria, interest rates, and loan documentation with customers.
• Assesses customer’s applications and evaluates products, pricing, and other variables in order to determine which mortgage products might best serve customer’s needs.
• Submits, within company designated time frames, all files to operations staff for processing, underwriting, closing, and funding.
• Performs follow-up work to achieve conditional loan approval within established time frames.
• Locks in rates and programs for customers when reasonably requested and in a timely manner.
• Completes lending operations in accordance with established Company policies and legal requirements.
• Assumes responsibility for establishing and maintaining effective and professional business relations with customers, realtors, building professionals, and referral partners.
• Maintains current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements.

Benefits

• Commission-only position with expected commission range depending on loan amount, structure, and volume.
• At-Will Employment
• Flexible arrangements may be available for work location.
• Equal Opportunity Employer
• Commitment to providing reasonable accommodations for qualified individuals with disabilities.

What This Job Offers

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