Mortgage Loan Officer

Job Summary

The Portfolio Loan Officer will be responsible for converting Non-QM leads and referrals to closed mortgage loans. They will specialize in originating loans that do not meet the standard qualifications of an agency or government conforming loan. The role involves working closely with borrowers who don't qualify for traditional mortgage loans to understand their financial situations and recommend suitable non-conforming loan products.

What You Can Expect to Work On

• Originate Non-QM Loans
• Identify and sell non-conforming lending products to customers that are non-traditional borrowers.
• Call NASB provided Non-QM leads and accurately update lead records in NASB’s lead management system.
• Develop and maintain relationships with realtors, builders, referrals, and personal contacts to build and maintain a strong client base.
• Construct a complete and accurate 1003 loan application while utilizing multiple technology options.
• Collect all applicable information from the customer before submitting the file to processing/underwriting to ensure file quality expectations are met.
• Work closely with the operations staff to help address and facilitate problem solving on escalated issues and find timely resolutions.
• Provide superior internal and external customer service that exceeds the customer’s expectations.
• Complete required periodic training for regulatory compliance in accordance with state and federal laws.
• Maintain a work schedule and required working hours consistent with departmental policy, which will include some evening and weekend hours as needed.

Qualifications

• Bachelor’s degree in finance/Accounting or related field preferred.
• Minimum of 3+ years mortgage experience and 3+ years of functional working knowledge of Residential Lending sales and operations experience.
• General knowledge around mortgage product offerings and Non-QM loan products.
• Adequate understanding of all facets of mortgage lending, including knowledge of required mortgage loan documentation and its purpose.
• Strong analytical, problem-solving skills, and interpersonal communication.
• Sound judgment and decision-making abilities while working in a high-pressure environment.
• Adaptability and agility to quickly learn new and changing technology advancements.
• Effective business communication skills (both oral and written).
• Excellent time management, detail oriented and organizational skills.
• Highly motivated with the ability to work autonomously with limited supervision.
• Demonstrate a positive attitude focused on success and a strong team culture.

Benefits

• Comprehensive health insurance options including medical, dental, and vision coverage.
• 401(k) retirement plan with immediate employer match.
• Exclusive mortgage and banking benefits.
• Employee referral bonuses.
• Internal training programs to help reach your career goals.

Pay & Schedule

This role is 100% commission based.