Licensed Team Lead Loan Officer - Phoenix, AZ
Company: Homeowners Financial Group
Location: Phoenix
Posted on: June 25, 2022
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Job Description:
Description:
Must have mortgage experience: 100-150k+/yearWork for an Award
Winning Company Culture!Are you an independent, self-starting, team
player with a positive attitude? Are you passionate about giving
back to your community? Do you want to work for a company that we
like to think as the happiest place in mortgage and has been voted
a Best Place to Work for the last 17 years? Join our family at
Homeowners Financial Group and you can take advantage of our great
benefits.Benefits:Award-Winning Company CultureEmployee volunteer
opportunitiesCigna Healthcare Benefits including medical, dental,
vision, life, and disabilityKaiser Permanente Benefits option for
eligible California employeesAncillary Benefits include: Aflac,
MetLaw Legal Plan, United Pet Care401k with discretionary
matchEmployee tenure programPresident's Club eligibility for both
Sales and Operations staff9 holidaysPaid Sick Leave (as applicable
per state law)Who We Are: Homeowners Financial Group has over 500
employees in 45 offices across the country and has helped tens of
thousands of homeowners realize home ownership. We are not your
typical mortgage company: we foster a family environment, we give
back to the community through dozens of charities and we love what
we do!Who We Want: We want a Licensed Mortgage Professional (LMP)
who is responsible for developing new business, structuring and
closing loans, as well as maintaining and servicing an existing
portfolio. The LMP manages the customer through the entire loan
process by setting expectations, taking applications, and managing
closings. This involves collecting and analyzing information and
documentation regarding the customer's employment, income, assets,
credit history, and debts to determine the appropriate mortgage
loan financing options. This position also represents Homeowners
Financial Group (HFG) in the local community through active
involvement in community affairs and by participating in marketing
efforts of HFG's products and services. LMP must hold an active
Mortgage Originator License through NMLS.Essential Duties:Actively
work with already established referral accounts and originate
residential mortgage loans with HFG mortgage products to meet
established loan quality and production goals.Responds in a timely
and professional manner to customer inquiries and referrals that
are generated through established contacts or HFG's business
channels. Converts company-provided leads into personal
appointments.Conducts interviews with prospective borrowers in
order to analyze financial and credit data and determines customer
financing objectives. Advises customers of advantages and
disadvantages of loan products and pricing and gathers any
additional information required.Manages overall customer
interaction and interfaces with all parties involved on each
individual loan from application to closing, including but not
limited to counseling and pre-qualifying potential
homeowners.Obtains all necessary supporting documents and collects
the appropriate fees.Negotiates terms, structures loan financing
based on risk considerations, and presents credits for approval to
appropriate levels of authority within HFG.Maintains a thorough
knowledge of lending programs, policies, procedures and regulatory
requirements.Explains the available loan program and rate options
to the customer and advises the customer on options for locking in
a rate and loan program. When the customer wants to lock in a rate
and program, the LMP documents the customer's request to lock and
confirms the locked rate/program with the Secondary Marketing
Department.Provides monthly projections for production on a timely
basis.Will partner with Mortgage Assistants' and other team members
to provide guidance around all aspects of the sales
process.Participates in HFG internal meetings and required
training.Maintains a professional image and demonstrates an
understanding of and follows all HFG Policies and ProceduresOther
duties as assigned
Requirements:
Qualifications:High School Diploma or equivalent requiredMinimum of
3 years of mortgage experience for both FHA and conventional loans
with a proven track historyActive Mortgage Originator license
through NMLS required in all states in which loans are originated
OR will need to obtain license within first 90 daysExcellent
written and verbal communication skillsProvides strong customer
service to internal and external customersAbility to develop
positive relationshipsExceptional organization and time management
skills. Ability to manage multiple tasks and deadlines in a
fast-paced environmentIndependent, self-starting, team player with
a positive attitudeAbility to read, analyze, and interpret
financial data.Proficient PC skills to include Excel, Word, and
Microsoft OutlookExperience utilizing laptop technology for
communication purposes including accessing rate, credit and loan
status informationExperience with Encompass/ Optimal Blue/ DU/ LP/
and major origination systems preferredWorking knowledge of
mortgage industry, products, lending practices, and regulatory
(federal and state) guidelines.Working knowledge of mortgage
origination process, FNMA, FHA, VA, RD, and SAFE ACT
guidelines.Working Conditions:The work environment characteristics
described here are representative of those an employee encounters
while performing the essential functions of this job. This job may
require handling objects up to 10 pounds frequently and 20 pounds
occasionally. While performing the duties described herein, the
employee is regularly required to sit; use hands and fingers to
handle or feel in addition to talking and hearing. The employee is
frequently required to stand and walk. The noise level in the work
environment is usually moderate. Office environment is normally
climate controlled.Homeowners Financial Group is an Equal
Opportunity Employer. All employment is decided on the basis of
qualifications, merit and business need.PM20PI182548299
Keywords: Homeowners Financial Group, Phoenix , Licensed Team Lead Loan Officer - Phoenix, AZ, Other , Phoenix, Arizona
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