Mortgage Loan Officer

Orchard · San Diego, CA · 3 wk ago

FinanceFull-time

About the role

Orchard Mortgage is an affiliate of Orchard, dedicated to providing mortgage services to its real estate customers. This role is full-time and remote, based in the San Diego Metro area, and reports to the Mortgage Sales Manager. The position involves working with top-producing agents to assist customers in achieving their financial goals through unique offerings like the Equity Advance loan and Move First offering. It also includes managing a pipeline of at least 10-15 loans per month, primarily purchases with some refinances, and collaborating with other teams within the Orchard ecosystem.

Responsibilities

Consult with clients about current needs and financing solutions to help them achieve their financial goals
Build great relationships with Orchard’s real estate agents to create a great home buying experience for our customers
Be the go-to person for all home financing-related needs, including being the expert on the Equity Advance loan and Move First offering
Closely manage a pipeline of at least 10-15 loans per month, primarily purchases with some refinances
Work collaboratively with other teams across the Orchard ecosystem, including Real Estate and Title Operations, to provide the best customer outcomes
Support weekend coverage once per month to ensure customers have the support they need, even on weekends

Requirements

At least 3+ years of lending experience and an active NMLS license or registration (California required)
Strong consultative sales skills to help customers achieve their financial goals and understand available programs
A passion for customer service and relationship building, keeping both customers and agents informed, even outside regular business hours
Deep knowledge of guidelines pertaining to Fannie Mae, Freddie Mac, FHA, VA, and the ability to provide high-quality pre-approvals/pre-qualifications (bonus for familiarity with non-QM programs and reno/construction loans)
Technology-savvy with the ability to learn and work with new systems, especially as the mortgage industry evolves. Preference for experience with systems like Blend and Byte.

Qualifications

Passionate about helping customers navigate the home buying and selling process
Ability to build strong relationships with both customers and agents
Experience with Fannie Mae, Freddie Mac, FHA, VA guidelines and pre-approvals/pre-qualifications
Comfortable working with technology and systems relevant to the mortgage industry

Skills

Excellent communication and interpersonal skills
Strong problem-solving and analytical skills
Ability to work independently and as part of a team
Knowledge of mortgage industry regulations and compliance

Benefits

The average full-time fully ramped Loan Officer at Orchard earns a compensation range of $125-175k per year, depending on performance. The structure is a draw against commission with a 3-month ramp period for new hires. The role also comes with benefits and equity in the company.

Pay

Schedule

This is a full-time role that will be expected to be based in the San Diego Metro area and available to attend agent networking events such as Orchard happy hours and agent training once a month.

Equal Opportunity Employer

Orchard is proud to be an equal opportunity employer. We provide employment opportunities without regard to age, race, color, ancestry, national origin, religion, disability, sex, gender identity or expression, sexual orientation, veteran status, or any other protected status in accordance with applicable law.