1,897 Loan Analysis jobs in the United States

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

As a dedicated Loan Officer, you will, within defined guidelines and framework, deliver impactful customer service to members while providing mortgage product solutions that facilitate the member’s financial security. You will facilitate mortgage product sales and member service through multiple channels to include phone, email, mail and digital platform while providing individualized mortgage loan recommendations and meet established monthly metrics. As a Loan Officer you will also deepen member relationships through needs assessment and solution offerings from USAA products and services as well as stays highly engaged in the mortgage industry, to include changes to Fannie and Freddie guidelines.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position is based out of Phoenix,AZ.

Relocation assistance is not available for this position.

• Under limited direct supervision, follows established written risk, compliance and regulatory requirements to process VA and Conventional mortgage loans, both purchase and refinance within a service level objective requirement.
• Based on predetermined requirements, assesses, and grants or rejects mortgage applications.
• Manages a pipeline of member calls for mortgage products; conducts daily phone calls and manages voicemail/email correspondence
• Partners closely with Processors, Underwriters and Closers to deliver on the mortgage products within a specified period of time. Responds to member and third-party phone calls to keep appropriate parties informed of loan status.
• Stays updated on compliance and regulatory requirements and identifies and manages existing and emerging risks that stem from business activities; ensures risks associated with business activities are effectively measured, monitored, and controlled.
• Establishes and maintains successful partnerships with Real Estate Agents.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• High School Diploma or General Equivalency Diploma required.
• 2 years of mortgage sales experience or relevant customer service experience within a financial services organization.
• Successfully complete mortgage products assessment.
• Acquisition and maintenance of applicable licenses/state registrations as required.

What sets you apart:

• 3+ years Mortgage Consumer Direct Experience
• Current or Prior NMLS #
• US military experience through military service or a military spouse/domestic partner

Compensation range: The base salary for this role is $45,000 annual, with an un-capped tiered incentive program.

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!

Description:
•Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
•Uncapped commissions!
•Loan products for all borrower types!
•Add additional LO's to your team OR act as an individual LO!
•Licensed in 28 states and growing!
•Administrative, operational and compliance support provided by Corporate!

Successful Candidate Attributes:
•Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
•Maintains a database of past clients for marketing purposes.
•History of closing at least 3-5 units per month.

Loan Officer Requirements:
•An active NMLS/MLO license (required).
•Strong knowledge of lending regulations and industry best practices.
•Exceptional interpersonal and communication skills.
•Analytical mindset with the ability to assess complex financial information.
•Sales-oriented mindset with a commitment to achieving targets.
•Detail-oriented and organized.
•Proficient in relevant software and tools.

Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.

Be among the first 25 applicants.

The Outside Loan Officer's primary role is to source, qualify, and originate mortgage loans by working primarily outside the company's offices to solicit and obtain business from referral sources such as realtors, builders, financial service providers, and others, as well as directly from borrowers.

• Comply with outside sales and reporting obligations, duties, requirements, and guidelines.
• Produce loans according to targets set by the manager.
• Uphold the integrity of the brand.
• Be familiar with originating loans.
• Properly qualify consumers and issue pre-approvals according to guidelines.
• Monitor the loan pipeline through Lenders Office.
• Monitor productivity via reporting tools.
• Ensure compliance with all government and regulatory requirements.
• Determine your own working hours; there are no specific hour requirements.
• Gather information from prospective borrowers and complete the loan application form.
• Set yearly goals and attend meetings with the manager.
• Educate and communicate regularly with borrowers, listing brokers, and selling brokers.
• Analyze income and debt to pre-qualify borrowers and determine maximum affordable mortgage amounts.
• Educate borrowers about home buying and financing options, including different loan products, closing costs, and payments.
• Maintain contact with borrowers, realtors, and the company during the application process.
• Collect financial documents such as tax returns and bank statements.
• Order credit reports when required.
• Determine if the property is in a flood zone when necessary.
• Attend mortgage closings if requested.
• Ensure compensation does not exceed negotiated amounts.
• Adhere to policies outlined in the company handbook.
• Perform other duties as assigned.

This position has no supervisory responsibilities.

• Must have a current NMLS license in good standing.
• Knowledge of Freddie Mac, Fannie Mae, FHA, and VA guidelines.
• At least two years of mortgage or mortgage banking experience.
• Ability to meet deadlines and deliver results.
• Proven sales success.
• Reliable transportation, valid driver's license, and current auto insurance.
• Sound judgment and decision-making skills.
• Ability to work under pressure with minimal supervision.
• Excellent communication and customer service skills.
• Ability to develop and maintain relationships within the real estate community.
• Timely communication according to department standards.

• Ability to lift 25 pounds.
• Ability to bend, stoop, and stretch as needed.
• Prolonged periods of sitting, standing, or ambulating.
• Use of computers, phones, and office equipment.
• Fluency in English; second language is a plus.

Seniority level: Entry level

Employment type: Full-time

Job function: Finance and Sales

Description: Cardinal is a not-for-profit financial cooperative owned by its members. This means that as a credit union member, you are never a customer, but a full partner and owner. The credit union motto People Helping People is demonstrated in every transaction that takes place at Cardinal. We promise each member personalized service and individualized financial attention. Cardinal strives to create a culture supporting ideas and innovation and offers various opportunities for both personal growth and professional development. Role of Loan Officer: Our Loan Officers assist members and potential members with their Credit Union needs. Provide account information by phone or in person, as well as information on the full range of credit union products and services. Open accounts for members, interview, and professionally handle the member's daily needs. Responsible for interviewing and evaluating applicants for routine loans and processing loan applications. Gather background information and analyze loan applicant's credit history. Our Loan Officers provide a variety of transaction services to members including loan processing, closing, and disbursal. Meeting minimum performance standards regarding referrals, sales, production, and quality control. Generous incentive program. Loan Officer Benefits Package: Medical, prescription, dental, vision Life and long-term disability Insurance, employer paid Generous 401(k) plan Paid time off and holidays Loan discounts Tuition reimbursement paid up to 90% per course Considerable and substantive internal training on a myriad of banking subjects, member service, professionalism, and best industry practices. PM22 Requirements: Job Requirements: Loan Officer Experience: Six months to two years of similar or related experience. Loan Officer Education: College degree preferred Loan Officer Interpersonal Skills: A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Cardinal Credit Union is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment. We are a non-smoking work environment. Compensation details: 0 Yearly Salary PIe1b6ea53911a-2312

Description: Cardinal is a not-for-profit financial cooperative owned by its members. This means that as a credit union member, you are never a customer, but a full partner and owner. The credit union motto "People Helping People" is demonstrated in every transaction that takes place at Cardinal. We promise each member personalized service and individualized financial attention. Cardinal strives to create a culture supporting ideas and innovation and offers various opportunities for both personal growth and professional development. Role of Loan Officer: Our Loan Officers assist members and potential members with their Credit Union needs. Provide account information by phone or in person, as well as information on the full range of credit union products and services. Open accounts for members, interview, and professionally handle the member's daily needs. Responsible for interviewing and evaluating applicants for routine loans and processing loan applications. Gather background information and analyze loan applicant's credit history. Our Loan Officers provide a variety of transaction services to members including loan processing, closing, and disbursal. Meeting minimum performance standards regarding referrals, sales, production, and quality control. Generous incentive program. Loan Officer Benefits Package: Medical, prescription, dental, vision Life and long-term disability Insurance, employer paid Generous 401(k) plan Paid time off and holidays Loan discounts Tuition reimbursement paid up to 90% per course Considerable and substantive internal training on a myriad of banking subjects, member service, professionalism, and best industry practices. PM22 Requirements: Job Requirements: Loan Officer Experience: Six months to two years of similar or related experience. Loan Officer Education: College degree preferred Loan Officer Interpersonal Skills: A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Cardinal Credit Union is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment. We are a non-smoking work environment. Compensation details: 0 Yearly Salary PI4ded825cd5-

• Calling leads, and accepting inbounds, to connect with clients to identify their loan needs and successfully originate and close their loans.
• Until you are comfortable with your pitch, you will be using the Jr LO sheet as an outline of how to navigate your conversations.
• Leads that do not answer need a VM, Text, and Email.
• LOs are expected to convert the lead to a client, by way of identifying what loan aligns with their motivations and qualifications.

• Minimum wage as determined by the state and the city.
• Hourly, 40 hours per week, OT on an approval basis.
• Hourly compensation is a draw against commissions. Draw periods are by pay period and the draw does not carry over from pay period to pay period.
• Once commissions exceed the hourly pay, commissions are paid out.
• Commissions are paid in the pay period in which the loan is purchased off the line, not when they are funded.
• Commission tiers are based on the funding date, not the purchase date.

• The first 3 months are probationary, and reviews will be conducted after the first 30, 60, and 90 days. It is the responsibility of the Office Sales Manager to conduct and document what is covered in these reviews.
• In the first 90 days of being hired: 24 locked loans (in total) are expected (that comes out to; 6 locks in month 1, 8 locks in month 2, and 10 locks in month 3).
• After month 3, 8-10 locks per month and 6 fundings per month is the minimum. In any given month, if the production falls below 6 locks and 4 fundings, there will be a performance review that may be accompanied by a PIP. If the PIP is not met, or the production can not get back on track to hit the minimums required you may be eligible for termination or reassignment.

• The first 30 days is probationary.
• The LO must complete the next available GFU (Griffin Funding University), and pass the final.
• New LOs are only permitted to originate loans with our premier investor. Once they have demonstrated an understanding of the guidelines and nuances of navigating guidelines and exceptions, they may be permitted to originate loans with other investors.
• Before originating with additional investors, the Office Manager must sign off that the LO is ready for additional investors.

• LOs work new Google SEO, and PPC leads via Callingly and Hubspot.
• Leads from lead aggregators are primarily assigned to JRs, however, these leads may be assigned to an LO to supplement lead flow.
• Not eligible for direct transfers from Juniors.
• Not eligible for past clients' (Inbounds from marketing or Chili Pipers).

• 3 months of consistent fundings totaling 15 fundings. Packs or major fluctuations in funding volume will require careful consideration. Promotion is at the sole discretion of the VP of Lending.

• After a tenure of 2 years of employment is met base bps goes from .40bps to .60bps.
• Eligible for Past Clients that are not in the book of a Loan Officer who is currently with the company in any capacity.
• Eligible for Chili Piper appointments and direct transfers from Jr LOs.
• When there are separate ring groups; first ring group for inbounds.
• Expected to participate in instructing GFUs.
• Expected to demonstrate a high level of understanding of all investors and loan products, and assist the team by leading by example and sharing guidance based on experience.

• Organization: Develops and implements strategies, satisfying customer needs through a full array of products and services.
• Coordination: Uses judgment and discretion to ensure uninterrupted flow of business.
• Communication : Communicates well verbally and in writing with co-workers and customers acting as liaison between customer and Company's internal departments to ensure cohesive business flow.
• Equipment : Uses such office equipment as computer terminals, copiers, and FAX machines.
• Physical: Sits and stands for extended time periods. Hearing and vision within normal ranges. Must devote substantially more than 50 percent of working hours outside of any Company office, home office, and any other fixed site, meeting with customers and potential customers seeking residential mortgage financing.

• Verifies, compiles, and inputs application information for mortgage loans.
• Discuss and advise the client of their home loan options.
• Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage applied for, including but not limited to borrower assets, liabilities, and length of employment.
• Informs supervisor of discrepancies in title or survey.
• Performs other related duties as assigned.
• Current, valid NMLS license or appointment in good standing.

• Must have applicable state licensing.
• Two to five years' experience are preferred.
• Must also meet one of the following 3 options:
  1. Actively funding more than 2 loans/month, or
  2. Xinnix Training completion for Loan Origination required, or
  3. Origination mentor assigned to new Loan Officer by branch who funds more than 2 loans/month (see PRMG Loan Officer Mentor Agreement).

• Ability to make sound judgments on the resolution of service, credit decision, funding, and post-close issues.
• Ability to problem-solve and exercise independent judgment while displaying a high degree of initiative.
• Ability to handle detailed assignments and maintain confidentiality.
• Excellent communication and interpersonal skills.
• Organizational skills necessary to prioritize workload and delegate responsibility.

• May be required.

• Organization: Develops and implements strategies, satisfying customer needs through a full array of products and services.
• Coordination: Uses judgment and discretion to ensure uninterrupted flow of business.
• Communication : Communicates well verbally and in writing with co-workers and customers acting as liaison between customer and Company's internal departments to ensure cohesive business flow.
• Equipment : Uses such office equipment as computer terminals, copiers, and FAX machines.
• Physical: Sits and stands for extended time periods. Hearing and vision within normal ranges. Must devote substantially more than 50 percent of working hours outside of any Company office, home office, and any other fixed site, meeting with customers and potential customers seeking residential mortgage financing.

• Verifies, compiles, and inputs application information for mortgage loans.
• Discuss and advise the client of their home loan options.
• Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage applied for, including but not limited to borrower assets, liabilities, and length of employment.
• Informs supervisor of discrepancies in title or survey.
• Performs other related duties as assigned.
• Current, valid NMLS license or appointment in good standing.

• Must have applicable state licensing.
• Two to five years' experience are preferred.
• Must also meet one of the following 3 options:
  1. Actively funding more than 2 loans/month, or
  2. Xinnix Training completion for Loan Origination required, or
  3. Origination mentor assigned to new Loan Officer by branch who funds more than 2 loans/month (see PRMG Loan Officer Mentor Agreement).

• Ability to make sound judgments on the resolution of service, credit decision, funding, and post-close issues.
• Ability to problem-solve and exercise independent judgment while displaying a high degree of initiative.
• Ability to handle detailed assignments and maintain confidentiality.
• Excellent communication and interpersonal skills.
• Organizational skills necessary to prioritize workload and delegate responsibility.

• May be required.

Job Type

Full-time

Description

Are you a top-performing salesperson looking to make a jump into the Investment Lending Space? We are looking for successful, self-motivated individuals with an interest in real estate investing to join our Inside Sales team. As a Loan Officer, you will become an expert on Lima One's entire product suite of Fix and Flip, New Construction, and Rental Property Loans, and have the opportunity to build your book of business through inbound, warm leads and networking events. To set you up for success, Lima One provides in-depth training on all loan products, the organization's sales process, and how to grow and deepen relationships with your clients.

What We'll Provide:

• Best-In-Class Support: Sales support and marketing team that's laser-focused on driving your success. From sales development representatives, account managers, and revenue enablement teams, we've got your back.
• Personal Development: Dedicated sales trainer with industry experience and knowledge. Company sponsored NMLS licensing. Commitment to learning, development & promoting from within - because when you succeed, we succeed.
• Customer Experience: From first call to final payoff - complete, vertically integrated lending process. Your clients will experience premier in-house service from start to finish - making your sell easy.
• Tools & Tech: Access to warm leads and state of the art tools such as Salesforce, Gong, Forecasa, HubSpot, and our Retail Portal. Our technology is constantly evolving to help you close more deals.

• Lead Management: Build your own book of business through both outbound and inbound prospecting and networking.
• Customer Development: Responsible for educating prospects and clients about Lima One's products and determining which will best fit their investment strategy, negotiating loan terms, collecting applications, and updating clients.
• Relationship Building: Maintain your book of business by nurturing client relationships. Once a lead is assigned to you at Lima, their business remains with you throughout your tenure.
• Pipeline Collaboration: Work alongside other loan originators, underwriters, and loan processors within Lima One Capital to ensure a top-notch customer service experience for our clients.

• Sales Experience: Minimum 2 years of experience with inside sales, focus on outbound calling
• Education: Bachelor's degree or a minimum of three years of sales experience
• Technology: Proficient in Microsoft Office, experience with CRM platforms is a plus
• Competitive Mindset: Proved track record of achieving goals and thriving in a fast-paced environment
• Communication Skills: Ability to hold resourceful and significant conversations and conduct proactive follow-ups with potential and active borrowers

• Base salary that's yours to keep and uncapped, producer friendly commission plans with additional bonus opportunities.
• Industry Leading Benefits:
• Medical, Dental and Vision Insurance
• Life Insurance, Short-Term Disability, and Long-Term Disability
• Hospitalization and Accidental Insurance
• Flexible Spending Accounts - Health and Dependent Care
• Health Savings Account
• Safe Harbor 401K with company match
• Growing Families Support (including paid parental leave, infertility support and assistance, childcare reimbursement, and elder care)
• Pet Insurance
• Work Life Balance: 12 paid time off days, sick time*, in addition to 12 paid holidays - plenty of time to rest, relax, and recharge every year *per applicable state and local paid sick leave laws
• Career Development: We prioritize the growth and success of our team members. You'll benefit from continuous learning opportunities, dedicated mentorship, and the chance to refine your skills and advance your career.
• Great Location off Von Karman

• Loans Funded: $10+ billion in loans funded, 30k loans closed since 2010
• Geography: 46 states + D.C. where we revitalize neighborhoods
• Employees: ~300 employees with competitive benefits and perks
• Stability: Backed by the immense resources of MFA Financial, a publicly traded mortgage REIT with 25 years of proven success
• Veteran Founded: Founded by 2 US Marine Corps veterans, we proudly approach every deal and decision with grit, determination, boldness, and integrity