Mortgage Loan Originator

Clayton • Lafayette, CO

1d

About The Position

At Silverton Mortgage, the team recognizes that home loans are unique and works closely with borrowers to find the right program for their specific needs. The company is guided by the strong belief that communication is key, assisting home buyers through the entire loan process from application to closing, managing all aspects in-house. Silverton Mortgage is committed to giving back to the community through The Silverton Foundation, which provides mortgage and rent assistance to reduce financial and emotional burdens for parents focusing on their child’s health. The company aims to ensure that when a child returns after a crisis, their home and loved ones are waiting. Silverton Mortgage has been recognized as a Top Workplace for multiple years, earning Culture Excellence recognition for Innovation, Work-Life Flexibility, and Compensation & Benefits. The Mortgage Loan Originator (MLO) role involves originating residential mortgage loans that meet Silverton’s guidelines, adhering to all Federal and State laws, and company-specific compliance policies. MLOs are responsible for generating their own leads.

Requirements

• Meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.
• Ability to communicate clearly, effectively using both verbal and written communication, across a variety of audiences.
• Strong computer skills, experience utilizing laptop technology and loan originator software.
• Excellent time management skills.

Nice To Haves

• Preferred minimum of 2 years of residential mortgage origination
• Documented residential mortgage loan volume in the past 12 months
• Established relationships with local referral networks

Responsibilities

• Originating residential mortgage loans that meet Silverton’s guidelines.
• Abiding by and remaining in compliance with all Federal and State laws governing the mortgage industry, as well as any additional applicable laws in the states in which Silverton is currently licensed.
• Maintain active Mortgage Loan Originator licensure and keep current information in the National Mortgage Licensing System.
• Abide by Silverton’s company-specific compliance policies, including but not limited to Silverton’s Anti-Money Laundering policies, Safeguard Governance, Regulation Z, Red Flag, RESPA and other policies.
• Meet production guidelines as established by the Branch Manager.
• Originating the file, quote, making application, disclosing within RESPA, Reg Z and Fair Credit and Reporting guidelines and requesting all required documentation from the client.
• Communicate the loan process to your borrowers, fully describing the borrower’s responsibilities during the loan application and loan term.
• Verify information provided by your borrower, completing the application review and preparing the file for submission to underwriting, meeting all conditions.
• Submitting files into processing.
• Self-managing your time and structuring work hours when companies are open and consumers are available to ensure that you are available to your customers as well as to Silverton’s support staff.
• Generating your own leads.

Benefits

• Competitive pay and benefits
• 401k match
• 10 holidays
• PTO
• Volunteer Time Off
• Weekly Sales Training
• Product Training Lunch n’ Learns
• President’s Club (all-inclusive, all-expenses paid trip for you and your plus-one)
• National Sales Calls and Rallies
• Annual In-Person & Online 8-hour Licensing CE
• CRM
• Social Media (marketing materials and training, 1-1 support)

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed