Home Lending Center Loan Officer
HybridCincinnati, Ohio, United States
Job Summary
Prospect and develop new client relationships and loan originations through internal referrals and external centers of influence. Originate and process targeted family residential real estate mortgage transactions, providing clients with detailed information about mortgage options, interest rates, and terms to facilitate informed decisions. Gather necessary documentation at registration and serve as the primary client contact throughout the loan process, ensuring compliance with FNMA, FHLMC, FHA, VA, and RESPA regulations. Maintain high standards of client satisfaction and loan quality while meeting sales goals. This role requires a Bachelor's degree or equivalent experience and 1+ years in mortgage sales.
Required Qualifications
- Bachelor's Degree Business related field or equivalent experience
- 1+ years Mortgage sales
- Proficiency in outbound calling
- Proficiency in sales/originator systems and workflow management
- Ability to assess borrower risk by analyzing credit, income, assets, and property data to ensure compliance with lending guidelines and risk standards
- Proficiency in initiating and processing loan applications, including gathering documentation, evaluating eligibility, and coordinating with stakeholders through closing
- Knowledge of the full mortgage lifecycle, including application intake, underwriting, processing, closing, and post-closing procedures
- Understanding of mortgage loan products, structures, and repayment terms, with the ability to guide borrowers through financing options and obligations
- Skill in promoting mortgage products, building client relationships, and meeting sales targets through consultative selling and market awareness
- Expertise in providing financing solutions for residential or commercial real estate, including risk assessment, loan structuring, and regulatory compliance
- Capability to evaluate loan applications by analyzing financial statements, credit reports, and collateral to determine creditworthiness and repayment ability
- Familiarity with Federal Housing Administration (FHA) loan programs, including eligibility criteria, documentation requirements, and underwriting guidelines
- Understanding of Fannie Mae guidelines and processes, including loan delivery, eligibility standards, and secondary market practices
- Ability to prioritize and manage multiple tasks
- Strong customer service orientation
- Excellent written and verbal communication
Desired Qualifications
- 1+ years Mortgage processing experience
- 1+ years A working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws
- Education Bachelor's Degree Business related field or equivalent experience (preferred)
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