Loan Originator - Inside Sale

Primary Position-specific Responsibilities

• Consult with prospective borrowers to determine their financial objectives and goals, review/analyze credit and financial data, and pre-qualify applicants;
• Present options and alternatives for various financial products that Gold Star offers, explain rates and terms in an easy to understand manner, and answer questions regarding the financing process;
• Maintain an in-depth knowledge of highly technical and evolving underwriting/lending guidelines, investor regulations, and utilize specialized knowledge of loan products to interpret these guidelines to assist the borrower in his/her understanding;
• Absorb required loan underwriting documentation, and be the borrower’s primary point of contact with Gold Star, always leaving him or her with a favorable impression;
• Determine the financial products that best meet the customer’s needs and financial circumstances, and provide advice on the advantages and disadvantages of different financial products;
• Negotiate loan rates and terms on behalf of the consumer, and apply the borrower’s unique credit profile to loan scenarios in order to provide financial options to the consumer;
• Monitor the loan from the point of origination through closing, and work closely with processors, underwriters, closers, and staff to facilitate a smooth and compliant transaction;
• Develop and maintain lifelong relationships with consumers, business partners, and colleagues;
• Attend and complete all required training, maintain knowledge of all lending policies, procedures, guidelines, and regulations, and complete all licensing prerequisites and requirements;
• Provide unsurpassed customer service;
• Complete other duties as assigned.

Preferred Education/Experience

• A high school diploma or equivalent required;
• An Associate’s degree from an accredited college preferred;
• At least one (1) year of experience in mortgage lending with demonstrated success in prospecting and sourcing leads, telephone sales, and developing relationships required;
• Verifiable track record of recent successful purchase and referral based sales volume;
• Exceptional attention to detail and strong organizational skills;
• Outstanding work ethic and time management skills;
• Perform exceptionally well under pressure;
• Strong oral and written communication skills;
• Prior experience with Encompass, a plus.

Physical Demands/Environment

The work environment is characteristic of an office setting. Rare lifting of up to 25lbs may be required. Occasional travel may be required (generally less than 25%) to attend client closings, complete loan applications, and meet with consumers.