Golden Empire Mortgage - West Lake Hills, TX

posted 24 days ago

Full-time - Mid Level
West Lake Hills, TX
Credit Intermediation and Related Activities

About the position

The Mortgage Loan Originator at Golden Empire Mortgage Inc. is responsible for the origination of mortgage loans, conducting pre-qualification interviews, and preparing complete loan application packages. This role emphasizes building lasting customer relationships and ensuring high levels of client satisfaction while adhering to company and investor guidelines.

Responsibilities

  • Originate own sales by contacting prospective clients and developing referral sources.
  • Spend over 50% of time away from the employer's place of business selling loan products.
  • Interview clients, take applications, and process preliminary documentation on loan requests.
  • Discuss loan alternatives, credit criteria, interest rates, and loan documentation with customers.
  • Assess customer applications and evaluate products, pricing, and other variables to determine suitable mortgage products.
  • Submit all files to operations staff for processing, underwriting, closing, and funding within designated time frames.
  • Perform follow-up work to achieve conditional loan approval within established time frames.
  • Lock in rates and programs for customers when reasonably requested and in a timely manner.
  • Complete lending operations in accordance with established company policies and legal requirements.
  • Establish and maintain effective and professional business relations with customers, realtors, building professionals, and referral partners.
  • Maintain current knowledge of all lending programs, policies, procedures, and regulatory requirements.

Requirements

  • High School diploma or GED required.
  • NMLS MLO License required.
  • Ability to prioritize and multi-task in a fast-paced environment.
  • Exceptional attention to detail and motivation.
  • Excellent communication skills.

Nice-to-haves

  • Knowledge of automated underwriting systems (DU/LP).
  • Understanding of HUD and RESPA Regulations.
  • Comprehensive understanding of legal, compliance, and Investor requirements.

Benefits

  • Commission-based compensation structure.
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