Enterprise Lending Officer - Bellevue
$66,600–$76,700 year
On-siteBellevue, Washington, United States
Job Summary
Provide Consumer Lending advice to new-to-bank clients and drive external business development by engaging in community development, outside sales activities, and networking with real estate professionals, builders, and other external referral partners. Apply mortgage lending principles and credit guidelines to develop solutions for client needs, manage daily loan pipelines with high organization, and leverage digital solutions for preferred service pathways. Maintain compliance with federal and state regulations, including SAFE Act registration requirements, while delivering compliant client advice conversations and fulfilling financial goals. Work independently to source clients and generate self-sourced purchase business, prioritizing multiple tasks and adapting to flexible schedules as needed.
Required Qualifications
- 3+ years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable, established network of referral sources
- Demonstrated understanding of effectively managing a pipeline in order to deliver an exceptional client experience
- Strong knowledge of loan products Conventional, Jumbo and Government
- Demonstrated ability to understand, analyze, and document income, assets and liabilities properly in order to qualify clients for specific loan products
- Demonstrated understanding of processing, underwriting and/or closing procedures
- Working knowledge of federal regulations governing real estate lending
- Ability to source clients independently and not rely on enterprise referrals with demonstrated success in generating business from external Centers of Influence real estate professionals, builders, and other external referral partners in a compliant manner as well as within bank policy
- Ability to work independently
- Strong communicator, both written and verbal
- Self-motivated and highly organized
- Can prioritize multiple competing tasks
- Uses appropriate interpersonal styles, communication methods and approaches to gain clients and keep them informed during the loan process
- Demonstrated understanding of the connection of the level of service provided being directly correlated to driving sales volume
- Can be flexible to work weekends and or extended hours as needed to serve clients
- Must register with the federal registry system and remain in good standing pursuant to SAFE Act requirements
- Must submit to the required SAFE Act background check
- High School Diploma / GED / Secondary School or equivalent
Desired Qualifications
- Familiarity with FHA and HUD guidelines
- Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information
- Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
- The ability to analyze and comprehend complex financial data and provide financial alternatives
- Professional and effective interpersonal skills
- An ability to take ownership, accountability and can demonstrate integrity
- Adaptability and can demonstrate flexibility
- A positive attitude
- Effective communication styles
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