Loan Originator - Outside Sales

Primary Position-specific Responsibilities

• Source business via in-person meetings with realtors, financial planners, and other partners;
• Develop clientele base via lunch-and-learns, seminars, presentations, and open houses;
• Give group presentations to introduce new products and services;
• Visit clients at closing to ensure a smooth and compliant transaction;
• 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;
• Consult with prospective borrowers to determine their financial objectives and goals, review/analyze credit and financial data, and pre-qualify applicants;
• 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;
• Present options and alternatives for various financial products that we offer, explain rates and terms in an easy to understand manner, and answer questions regarding the financing process;
• Monitor the loan’s process and work closely with processors, underwriters, and staff;
• 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 three (3) years of experience in mortgage lending with demonstrated success in developing relationships by in-person B2B sale 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.