Carson City, NV Loan Originator (retail mortgage)

Hilltop Holdings•Carson City, NV

20h

About The Position

Under the direction of the Branch and/or Production Manager, the Loan Originator markets and promotes PrimeLending products and services to realtors, builders, bank officers, and potential and past clients. The position performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers. Loan Originators evaluate loan products to determine which best meet a customer's needs and financial circumstances, develop and maintain business relationships, and manage customer interactions throughout the loan process—from application to closing. They advise customers on loan options, gather and analyze financial information, monitor loan status and conformity with terms, communicate with interested parties, and obtain documentation after closing. Originators are expected to meet the Company's minimum monthly production standards. The role also requires staying informed about local real estate and competitive-market trends, as well as changes to rules and regulations for private and government-insured mortgages. The position may include supervising or directing other loan officers, assistants, or processors. The company describes its culture as supportive and people-first, focused on simplifying the home loan process and delivering an outstanding customer experience.

Requirements

High school diploma or equivalent.
Appropriate licenses as required by 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 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.
Must continue to expand knowledge of issues influencing the industry and the organization.

Responsibilities

Evaluate PrimeLending and other loan products and services to identify those that best meet each customer's 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 ongoing 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 necessary supporting documents, applicable fees, and lock-in 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 follow company policies and procedures.
May supervise and direct the activities of other loan officers, loan officer assistants, or loan processors.
Perform other duties as assigned.