Mortgage Loan Originator - Colorado Springs

Clayton Homes•Colorado Springs, CO

2d•Onsite

About The Position

Silverton Mortgage is a people-first organization that believes in giving back to the community through The Silverton Foundation. We offer extensive product lines and maintain an in-house loan process that provides a competitive edge. Our team members recognize that home loans are as unique as the people who seek them and work closely with borrowers to find the right program to fit their specific needs. We are guided by the strong belief that communication is key, which is why we take pride in helping home buyers through the entire loan process, from application to closing, managing all aspects in-house. The Silverton Foundation's mission is to provide a mortgage and rent assistance program to help reduce financial and emotional burdens, allowing parents to focus on their child’s health. We have earned 2022 & 2024 Top Workplaces Culture Excellence recognition for Innovation, Work-Life Flexibility, and Compensation & Benefits issued by Energage and USA Today. We have also been recognized in Atlanta Business Chronicle for multiple years as one of the Best Places to Work, and as a Top Workplace in both the Atlanta Journal-Constitution and Charlotte Observer.

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

Reports to a direct Branch Manager and is responsible for originating residential mortgage loans that meet Silverton’s guidelines.
Abides by and remains 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.
Maintains active Mortgage Loan Originator licensure and keeps current information in the National Mortgage Licensing System.
Abides 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.
Meets production guidelines as established by the Branch Manager.
Originates the file, quotes, makes application, discloses within RESPA, Reg Z and Fair Credit and Reporting guidelines and requests all required documentation from the client.
Communicates the loan process to borrowers, fully describing the borrower’s responsibilities during the loan application and loan term.
Verifies information provided by the borrower, completing the application review and preparing the file for submission to underwriting, meeting all conditions.
Submits files into processing.
Self-manages time and structures work hours when companies are open and consumers are available to ensure availability to customers and Silverton’s support staff.
Generates own leads. Business should be built on referrals from existing customers and contacts.