Enterprise Lending Officer - Palo Alto
$66,600–$76,700 year
On-sitePalo Alto, California, United States
Job Summary
Provide Consumer Lending advice to new-to-bank clients and drive external business development by applying mortgage lending principles and leveraging Realtor, Builder, and Community contacts. Manage daily client and loan pipelines with astute organization, follow-up, and collaboration with loan fulfillment partners while adhering to all federal and state regulations. Engage in community development, outside sales activities, and external networking to responsibly grow client and market share, utilizing digital solutions for preferred service pathways. Maintain and document income, assets, and liabilities to qualify clients for Conventional, Jumbo, and Government loan products, ensuring compliance with SAFE Act registration requirements.
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
- Has a 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
- Has a 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
- An ability to work independently
- Is a strong communicator, both written and verbal
- Is 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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