Loan Originator
About The Position
The primary mission of this role is to support the mortgage lending process by assisting applicants with loan pre-qualification and application activities while ensuring accuracy, compliance, and exceptional customer service. This position interviews prospective borrowers, processes and verifies loan application information, reviews loan files for regulatory compliance, and coordinates closing activities to facilitate timely loan transactions. The role also prepares required notices, conducts post-closing reviews, provides program information to customers, and supports outreach efforts within the community. Success is measured by accurate and compliant loan processing, efficient coordination of loan activities, high-quality customer service, and the successful advancement of qualified applicants through the mortgage lending process.
Requirements
- High school diploma, GED, or equivalent from an accredited institution.
- Residential Mortgage Loan Originator (RMLO) license through the Texas Department of Savings and Mortgage Lending.
- 5 or more years of experience in mortgage loan origination, processing, and closing.
- Proficiency with Microsoft Word, Excel, and Outlook.
- Bilingual in English and Spanish, with strong written and verbal communication.
Nice To Haves
- Ability to obtain a Notary Public Commission.
- Experience with Encompass Mortgage software.
- Experience with accounting software.
- Obtain clearance against the US General Services Administration (GSA) Excluded Party List.
- Obtain clearance against the HUD Limited Denial of Participation List (LDP List).
- Obtain clearance against the Federal Housing Finance Agency (FHFA) Suspended Counterparty Program (SCP) list.
Responsibilities
- Interview client applicants for mortgage loan pre-qualifications and or loan applications, input data into computer systems, issue disclosures, and order credit reports.
- Verify accuracy of data on applications.
- Review the loan file to ensure compliance with all applicable laws and requirements.
- Coordinate closing activities with Senior Loan Processor and/or the Legal Secretary.
- Prepare adverse action notice of all denied loans.
- Perform post-closing review of all documents and make corrections as necessary.
- Attend outreach activities as needed.
- Aid primary staff in the area by answering telephones, assisting walk-in customers, and providing general program information to interested parties.
- Maintain a high level of ethical behavior and adhere to confidentiality policy.
- Perform other related duties as requested and assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
