Mortgage Loan Officer Job Listing at American Financial Network in Brea, CA (Job ID 82615)

Description

Join Our Team! Our branch in Southern California is in search of remote Self-Generated Loan Officer's Nationwide.

Job Summary

Under the direction of the Branch Manager the Loan officer evaluates, authorizes, or recommends approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods.

Job Description:

• Responsible for sales and origination of residential mortgages. Customarily and regularly involved in activities related to selling loans away from the office
• Develop and maintain relationships with real estate agents, financial planners, individual borrowers, and builders, etc.
• Accurately obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Responsible for proper adherence to legal regulatory and company policies/procedures
• Follow proper risk audit and compliance controls to mitigate financial risk to the organization while maintaining an environment focused on quality customer service
• Responsible for ensuring that outstanding service is delivered to our customer and clients
• Perform business development activities to increase recurring production including: maintenance of a client database, client and customer calling/monitoring efforts and additional activities as proposed by management.
• Manage a loan pipeline and the loan process to ensure loans fund in a timely manner.
• Attendance requires regular, reliable, and punctual attendance
• Follow proper risk, audit, and compliance controls to mitigate financial risk
• Handle customer complaints and take appropriate action to resolve them.
• Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
• Review and update credit and loan files.
• Submit applications to credit analysts for verification and recommendation.
• Develop and maintain relationships with real estate agents, financial planners, individual borrowers, and builders, etc.
• Analyze potential loan markets to develop prospects for new loans. Assist in defining existing loan products and developing new loan products to improve profitability and sales execution.
• Other duties as assigned

Essential Function

Originate residential real estate mortgage loans. This includes obtaining applications as well as coordinating and assisting in the processing and closing of loans. The Loan Officer will develop and maintain existing client relationships as well as identify and pursue potential new customer opportunities. Responsible for making sound decisions based on a mixture of data analysis resources and experience, use rigorous logic, seek complete course of action in decision making, and articulate recommendations in writing and verbally. Consistently meet or exceed company goals and meet and maintain all licensing requirements including continuing education.

Minimum Qualifications:

• Two to three years of experience in a loan origination experience
• NMLS LICENSE IS REQUIRED
• Knowledge of conventional and/or government guidelines
• Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending
• Ability to manage a client database of past clients and new clientele
• Teamwork and customer service oriented
• Self-motivated and highly organized
• Familiar with Conventional, FHA, and VA 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.
• Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
• Professional and effective interpersonal skills.

What We Provide:

• Benefits: Medical, Dental, Vision, Life
• 401k

Pay: Minimum wage + Commission

Who We Are:

AFN is a unique force in the mortgage market. We are one of the nation's largest privately held mortgage companies with the resources necessary to compete on a national level with the largest publicly held banks.  AFN maintains speed to decision, responsive communication and flexibility through its private ownership and flat organizational structure. We are a team of dynamic, visionary, and opportunistic professionals that thrive on the utilization of teamwork and technology to outperform our competition. We are driven by a vision of being a market leader through creating the ultimate standard in customer service and being consistently better by always seeking new ways to improve.

We're Proud of our Accomplishments!

• Top 100 Mortgage Companies in America in 2019 by Mortgage Executive Magazine
• 50 Best Companies to Work For by Mortgage Executive Magazine
• Top Mortgage Employer by National Mortgage Professional Magazine
• Top 10 Mortgage Company in Customer Satisfaction by Social Survey
• America's Fastest Growing Companies by Inc 5000
• Most Powerful Women in Mortgage and Women of Influence awarded to our EVP of Operations by National Mortgage Professional Magazine & Housing Wire Magazine

American Financial Network, Inc. NMLS #237341 is an Equal Opportunity Employer.