Mortgage Loan Originator

D.R. Horton • Chattanooga, TN

20h

About The Position

D.R. Horton, Inc. is seeking a Mortgage Loan Originator for its Financial Services Branch. The role promotes and develops business, originates loans, and manages relationships with customers and clients. The Mortgage Loan Originator interviews mortgage applicants, helps them understand financing options, and reviews loan programs that align with their goals. The position manages leads and the loan pipeline from application through funding, communicates with borrowers and others involved in the loan, and coordinates with Operations to support an efficient process. It also markets mortgage products and services, develops sales leads in builder communities and real estate offices, and participates in sales meetings and community events. The role requires professional and ethical conduct, compliance with applicable regulations and company quality-control policies, and may involve overtime, overnight travel, weekend coverage, and occasional assistance with post-closing issues.

Requirements

• Bachelor's degree from a four-year college or university.
• One to two years of related experience and/or training.
• Vehicle and valid driver's license.
• Mortgage Loan Originator license as required by the state.
• General mortgage banking understanding, including lock procedures, program analysis, underwriting guidelines, and regulatory timelines.
• Proficiency with MS Office and email.

Nice To Haves

• Strong written and oral communication skills.
• Ability to accurately and efficiently process and record a large volume of data.
• Ability to work as a team player and accept constructive criticism.
• Bilingual ability preferred.

Responsibilities

• Interview mortgage applicants, understand their financing goals, explain available options, and review suitable loan programs.
• Remain accessible to buyers and other individuals involved in a loan to answer questions and provide updates.
• Maintain reports and notes in origination software and customer relationship management systems.
• Review new leads daily and contact prospective customers to earn their business.
• Manage the loan pipeline from application through funding to help ensure a smooth process for all parties.
• Present loan products in sales meetings and to Sales staff in builder communities.
• Respond promptly to Operations to facilitate an efficient loan process.
• Provide loan applicants with required disclosures in a timely manner and in accordance with regulations.
• Conduct business professionally and ethically to serve customers and support company goodwill and profit.
• Market company products and services accurately and effectively to potential business sources.
• Develop mortgage sales leads in builder communities and real estate offices.
• Provide weekend coverage in builder communities and at grand opening functions.
• Review borrower documentation for accuracy and address discrepancies.
• Follow company quality-control policies, review manual updates, and attend meetings as necessary.
• Provide input to management and attend production and staff meetings.
• Occasionally assist in resolving post-closing or funding problems.
• Attend loan closings when possible.
• Work overtime and travel overnight as needed.

Benefits

• Medical, dental, and vision coverage.
• 401(k).
• Employee Stock Purchase Plan.
• Flexible spending accounts.
• Life and disability insurance.
• Vacation, sick, and personal time, plus company holidays.
• Multiple voluntary and company-provided benefits.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level