Mortgage Loan Officer
Job Details
Corporate-Point - Chula Vista, CA
Optional Work from Home
Full Time
Not Specified

Job Purpose


The position of a Mortgage Loan Officer is to help customers navigate the application, approval and closing process. They will work with the customer to determine their qualification.


Duties and Responsibilities


  • Generate and pre-qualify potential borrowers, complete all loan applications and documents, obtain all required supporting documents and information, process loan applications and submit a complete loan file in a timely manner in compliance with company and lender procedures
  • Maintain a follow up system for any hot leads via our in-house system, Velocify
  • Send a daily call report with results to management
  • Keep records of calls and sales and record useful information
  • Understand the customer's requirements in a short time and present solutions that meet their needs
  • Provide company headquarters with neat and orderly accounting information, bank statements, pipeline and closing reports on a periodic basis
  • Provide applicants with accurate interest rate quotes and loan information
  • Maintain the highest level of business and professional ethics and practices and strictly avoid any form of loan fraud or any other variation of fraudulent, illegal or unfair dealings
  • Retain copies of all loan files originated, whether or not the loan was closed, rejected or withdrawn, for a period of time to comply with all applicable company policies, state, and federal laws
  • Attract new mortgage loan applications by developing relationships within the community and making sales calls to prospective clients
  • Monitor collection, verification and preparation of mortgage loan documentation
  • Schedule and complete mortgage loan closing
  • Maintain strict client confidentiality
  • Exhibit a high level of working knowledge of agency and government loan guidelines and packaging requirements, primarily with purchase transactions
  • Educate customers on the different type of loans and credit options available to them, including the terms associated with each
  • Continue education to remain compliant with NMLS requirements
  • Complete any additional duties assigned by management
  • NMLS licensed is required
  • Experience working with Velocify is a plus
  • Experience working with Encompass is a plus
  • Proven experience as a telemarketer or similar sales/customer service role
  • Strong communication skills
  • Proficient working knowledge of basic office software, including word processing, spreadsheets, e mail accounts and presentation software
  • Ability to multitask in a fast-paced environment
  • Work professionally with a wide array of personalities, both within and external of the company
  • Maintain high ethical standards