LOAN ORIGINATOR

Golden Empire Mortgage Inc•Inverness, CO

About The Position

Ready to be part of a leading mortgage lender that truly puts clients first, at Security First Financial, a division of Golden Empire Mortgage, we've been a respected leader in the industry for nearly 40 years, guided by our core belief that our borrowers' interests come first. We're dedicated to providing clients with expert financing advice and believe 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. 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 Security First Financial, a division of Golden Empire Mortgage and help us empower clients and communities! Under general supervision of the Branch Manager, the Mortgage Loan Originator is responsible for origination of mortgage loans. This position conducts initial pre-qualification interviews and prepares complete loan application packages and necessary documentation. The Loan Originator also conveys policies for extension of credit in accordance with Company and investor guidelines, serves customers, prospective customers, builders, developers and realtors promptly and professionally.

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. Discuses 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.