3,218 Mortgage Professionals jobs in the United States

Description

EFCU Financial Federal Credit Union

Position Description

TITLE: Mortgage Lending Processor I

DEPARTMENT: Mortgage Lending

REPORTS TO: Senior Vice President of Mortgage Lending

SUPERVISES: N/A

FLSA STATUS: Non-Exempt

Purpose:

Answer questions from members on real estate loans and rates. Gather and analyze financial information on members for the purpose of determining qualifying status for mortgage loans, interview members for routine loans or obtaining additional information. Review and verify all loan documents for accuracy and completeness. Coordinates the mortgage lending closing process and ensures all documents meet government compliance standards and the Credit Unions Policies and Procedures. Process Conventional, Land, Welcome Home Mortgages. Train to process Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA) mortgages. Perform various other duties that may be required by the Senior Vice President of Mortgage Lending.

Duties and Responsibilities:

1. Reviews loan applications on first mortgages submitted by Mortgage Lending Originator for any omitted information and completeness. Conduct loan interviews with members when necessary and request any additional information/documentation needed.
2. Obtain and review all signed applicable disclosures for accuracy and to make sure they meet all federal/state, agency, and credit union regulations.
3. Lock loan in with investor according to loan specifics and current rate. Edit the lock if any change of circumstance occurs or any terms change.
4. Process loan application to include verification of employment, deposit accounts, and all liabilities. Ensure that loan has been submitted to automated underwriting system, if applicable. Make final changes and rerun for final automated approval.
5. Check credit report to determine credit worthiness of applicant based on industry standards and EFCU Financial Policy.
6. Request appraisal from appraisal management company and evaluate real-estate appraisal to ensure proper guidelines are followed and final value is properly determined.
7. Request flood certification to determine if property is or is not in a flood zone.
8. Submit loan to the Senior Vice President of Mortgage Lending or investor underwriter as required by the specific loan program for underwriting and approval. Obtain any prior to closing conditions as required by the underwriter.
9. Obtain copy of current homeowners insurance and flood insurance (if applicable) and make sure mortgagee clause is in favor of Credit Union, also to verify that coverage is sufficient to satisfy secondary market requirements.
10. Order and review title work from attorney/title company to ensure clear title.
11. Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms and deposit information.
12. Work closely with all other teams in the Mortgage Lending Department and back-up one another as needed.
13. Schedules the closing between the borrower and the closing agent/title company.
14. Answers questions regarding closing requirements.
15. Cross-sell lending products and other Credit Union services when appropriate.
16. Assist in other assigned duties.

Minimum hourly rate: $18.00

Requirements

Critical Knowledge Skill and Educational Requirements:

• High School Diploma or equivalent.
• Six months to two years of mortgage lending experience.
• Must be eligible to register with the Nationwide Mortgage Licensing System & Registry (NMLS) and must maintain registration with NMLS as a registered Mortgage Loan Originator (MLO).
• Strong loan documentation and regulatory compliance background is necessary including knowledge of title requirements.
• Knowledgeable of Regulatory Compliance Requirements of a Depository Financial Institution.
• Must be able to work accurately and efficiently in a fast-paced environment.
• Experience in good customer relations.
• Excellent telephone etiquette and verbal communication skills.
• Excellent interpersonal skills.
• Exceptional organizational skills.
• Must be dependable and reliable.
• Must pass all credit and bond requirements.
• In depth knowledge of Credit Union products and services is a plus.

Physical Requirements:

The physical demands described here are representative of those that must be met by a team member to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Normal office environment where there is little discomfort or exposure to hazards due to temperature, dust, noise, etc.
• While performing the duties of this position, the team member is regularly required to walk; use hands and fingers, reach with hands and arms.
• The team member consistently is required to stand and sit, view computer screen, talk and hear, and at times may lift/move up to 10 pounds.

#J-18808-Ljbffr

ABOUT REDWOOD CREDIT UNION (RCU):

At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.

As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.

Why work for Redwood Credit Union?

• 29th largest credit union in the U.S. and the largest financial institution based in the North Bay

• Awarded a 5-Star Rating based on 6/30/24 financial data by Bauer Financial

• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"

• Recognized by Newsweek as one of "America's Best Credit Unions 2024"

• Recognized by Forbes as one of "America's Best Small Employers 2023"

• Voted Best Places to Work in the North Bay 19 years in a row

• World-class Employee Engagement scores

• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate

• Industry leading Net Promoter Scores across the U.S.

Join us and discover why you'll love working at Redwood Credit Union!

Redwood Credit Union is looking for a Compliance Analyst, who will be responsible for proactively identifying and evaluating risks and controls, completing regulatory compliance analysis and research, identifying issues and/or areas for improvement in efficiency or effectiveness, and working with management in developing actions plans to ensure risks are effectively mitigated and issues are corrected. Work with broad discretion on assignments of a varied and diverse nature. Plan, organize, and perform other Compliance activities and projects.

Essential Functions

Compliance

• Review and conduct in-depth analysis on regulatory and legal changes affecting financial institutions to determine applicability and impact to RCU.

• Research regulatory/legal questions for other departments as assigned.

• Prepare and present analysis summaries and findings to RCU management to assist in decision-making.

• Independently work with RCU departments to implement legal requirements and ensure changes to products, services, and processes comply with applicable legal requirements.

• Create and manage compliance programs and training programs.

• Review advertisement, forms, letters, and disclosures for other departments as assigned to ensure compliance with applicable legal requirements.

• Prepare revisions to Credit Union disclosures.

• Prepare written reports and analysis for Compliance management.

• Assist on projects, exams, audits, and other tasks as assigned.

• Provide excellent service to all Members and internal clients.

• Prepare currency transaction reports in compliance with the Bank Secrecy Act.

• Manage projects required to implement regulatory and legal changes, including setting project goals, coordinating efforts between multiple departments, and monitoring for effectiveness.

Risk Management

• Independently work with RCU departments to identify and mitigate risks to the line of business, including compliance, business continuity, and internal controls.

• Collect and prepare information for business continuity planning.

Audit

• Collect and prepare information for both internal and external audits.

• Document audit procedures performed or coordinated/supported.

• Maintain audit work papers and documentation.

• Develop and monitor remediation plans resulting from any deficiencies identified in audits.

• Submit all audit work (i.e., planning, programs, work papers, reports, etc.) to the Compliance Manager for review prior to issuance of final reports.

• Administer compliance testing program and monitors result status.

Administration

• Assist with department budget preparation and perform legal expense analysis.

• Complete monthly report(s) and maintain records of time usage.

• Manage and administer RCU's forms library.

• Manage and administer RCU's Management Procedures Manual.

• Attend training as designated by Compliance Manager.

Minimum Qualifications: Knowledge, Skills and Abilities

• Comprehensive knowledge of laws, regulations, principles, and processes related to financial institutions.
• Strong analytical/problem solving, communication, organizational and interpersonal skills.
• Possess insight and judgment to initiate timely and appropriate action.
• Meticulous attention to detail.
• Skill in the operation of a PC with the use of Microsoft Office software and Browser based applications; ability to navigate internet and intranet applications.
• Ability to communicate complex ideas effectively, both verbally and in writing.
• Ability to establish and maintain effective working relationships with diverse groups of people
• Ability to effectively research and report on complex legal issues.
• Ability to organize, coordinate and prioritize a variety of activities simultaneously with limited supervision.
• Ability to act independently and confidentially, using discretion, and tact.
• Ability to distinguish and manage confidential material and information.
• Ability and desire to work in a team environment, with ability to establish and maintain effective working relationships in a diverse environment, including working with other departments.

Licenses and Certifications

• Compliance Officer Certification (NCCO, CUCE, or equivalent) is desirable.

Physical Requirements

• Ability to attend offsite conferences which may include travel by car or air.
• Ability to stand, bend, stoop, sit, walk, twist, and turn.
• Ability to use a computer keyboard and calculator.
• Ability to lift up to 15 pounds occasionally.
• Work environment is indoors, majority of the time is spent sitting at a desk.

The ideal candidate has a combination of education and experience equivalent to a bachelor's degree in business, pre-law, or related with a minimum of five years experience in financial services industry; regulatory compliance or financial institution internal audit.

Compensation: base starting range $41.00 to $4.00 per hour commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Redwood Credit Union offers a robust benefits package to our eligible employees including:

• Competitive medical, dental, and vision insurance, mental health offerings

• Employee performance incentive plan

• Salary Advancement- Merit increase based on performance

• 401(k) program with employer match

• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU Discounts and Perks:

• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans

• RCU employees are eligible for a 1% discount on all recreational or boat loan products

• 2% discount off Visas and LOC Loans through RCU

• 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.

• % interest loan to support employees with expenses associated with the naturalization process. Loan amount up to 15,000.

• 0% interest on garment, fitness, or home office equipment loan of up to $5 0

• 100% financing for employee purchased homes!

*Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.

Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET.

We are an Equal Opportunity Employer

Job Type

Full-time

Description

EFCU Financial Federal Credit Union

Position Description

TITLE: Mortgage Lending Processor I

DEPARTMENT: Mortgage Lending

REPORTS TO: Senior Vice President of Mortgage Lending

SUPERVISES: N/A

FLSA STATUS: Non-Exempt

Purpose:

Answer questions from members on real estate loans and rates. Gather and analyze financial information on members for the purpose of determining qualifying status for mortgage loans, interview members for routine loans or obtaining additional information. Review and verify all loan documents for accuracy and completeness. Coordinates the mortgage lending closing process and ensures all documents meet government compliance standards and the Credit Unions Policies and Procedures. Process Conventional, Land, Welcome Home Mortgages. Train to process Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA) mortgages. Perform various other duties that may be required by the Senior Vice President of Mortgage Lending.

Duties and Responsibilities:

1. Reviews loan applications on first mortgages submitted by Mortgage Lending Originator for any omitted information and completeness. Conduct loan interviews with members when necessary and request any additional information/documentation needed.
2. Obtain and review all signed applicable disclosures for accuracy and to make sure they meet all federal/state, agency, and credit union regulations.
3. Lock loan in with investor according to loan specifics and current rate. Edit the lock if any change of circumstance occurs or any terms change.
4. Process loan application to include verification of employment, deposit accounts, and all liabilities. Ensure that loan has been submitted to automated underwriting system, if applicable. Make final changes and rerun for final automated approval.
5. Check credit report to determine credit worthiness of applicant based on industry standards and EFCU Financial Policy.
6. Request appraisal from appraisal management company and evaluate real-estate appraisal to ensure proper guidelines are followed and final value is properly determined.
7. Request flood certification to determine if property is or is not in a flood zone.
8. Submit loan to the Senior Vice President of Mortgage Lending or investor underwriter as required by the specific loan program for underwriting and approval. Obtain any prior to closing conditions as required by the underwriter.
9. Obtain copy of current homeowner's insurance and flood insurance (if applicable) and make sure mortgagee clause is in favor of Credit Union, also to verify that coverage is sufficient to satisfy secondary market requirements.
10. Order and review title work from attorney/title company to ensure clear title.
11. Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms and deposit information.
12. Work closely with all other teams in the Mortgage Lending Department and back-up one another as needed.
13. Schedules the closing between the borrower and the closing agent/title company.
14. Answers questions regarding closing requirements.
15. Cross-sell lending products and other Credit Union services when appropriate.
16. Assist in other assigned duties.

Minimum hourly rate: $18.00

Requirements

Critical Knowledge Skill and Educational Requirements:

• High School Diploma or equivalent.
• Six months to two years of mortgage lending experience.
• Must be eligible to register with the Nationwide Mortgage Licensing System & Registry (NMLS) and must maintain registration with NMLS as a registered Mortgage Loan Originator (MLO).
• Strong loan documentation and regulatory compliance background is necessary including knowledge of title requirements.
• Knowledgeable of Regulatory Compliance Requirements of a Depository Financial Institution.
• Must be able to work accurately and efficiently in a fast-paced environment.
• Experience in good customer relations.
• Excellent telephone etiquette and verbal communication skills.
• Excellent interpersonal skills.
• Exceptional organizational skills.
• Must be dependable and reliable.
• Must pass all credit and bond requirements.
• In depth knowledge of Credit Union products and services is a plus.

Physical Requirements:

The physical demands described here are representative of those that must be met by a team member to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Normal office environment where there is little discomfort or exposure to hazards due to temperature, dust, noise, etc.
• While performing the duties of this position, the team member is regularly required to walk; use hands and fingers, reach with hands and arms.
• The team member consistently is required to stand and sit, view computer screen, talk and hear, and at times may lift/move up to 10 pounds.

Job Description
The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.
Citi, the leading global financial services company, has some 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management.
Citi Bank Retail Mortgage provides home lending services via our Citibank branches and centralized service centers. The Home Lending Officer role represents the Retail Mortgage business providing superior service to clients and referral partners and is responsible for originating high quality residential real estate loans for clients. This highly interactive role engages internally with retail branch partners, operations, community business development officers. This role drives mortgage sales and client relationships through engagement with clients, real estate agents, and other area referrers.
Responsibilities:
+ Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals.
+ Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history.
+ Analyze financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending solution.
+ Make recommendations to customers about which lending solutions would best meet the customers' financial and personal objectives
+ Advise customers about the consequences, risks, and benefits of alternative lending solutions.
+ Promote Citi's brand, and promote Citi as the provider for lending and other financial solutions. This includes promoting Citi and its financial services to real estate agencies, builders, other referral sources, and customers.
+ Visit customers outside of Citi's offices, with such visits to vary based on clientele, geography, market conditions, and other factors.
+ Work as a team with all internal partners to support and grow our customers.
+ Refer customers who seek financial services other than lending solutions to the appropriate Citi professionals.
+ Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the Processors and acquire any additional information needed by the Processors and/or Underwriters.
+ Work with Processors/Closers and customers to ensure the timely closing of the customer's loan.
+ Go outside to key referral relationships (Realtors, CPA's, Builders, etc). to drive mortgage business into the bank.
+ Introduce clients to segment partners when appropriate (including but not limited to Bank, Wealth Management, Small Business, Cards, etc.
+ Keep abreast of trends and developments in local marketplace, as well as changing rules and regulations across the industry, and expand internal and external network to better serve clients and industry professionals
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
Qualifications:
+ 2-5 years relevant experience
+ 3+ years previous mortgage sales experience required
+ Residential Mortgage experience required
+ Established book of business
+ Proven product sales capability is required.
+ FHA/VA & conventional loan experience is preferred
+ The ability to comprehend and explain financial calculations and pricing alternatives.
+ The ability to communicate with customers about the proper documents and information needed to obtain a particular loan.
+ Knowledge of the laws and regulations that govern consumer lending, including fair lending, privacy, and RESPA.
+ Demonstrated customer service skills
+ Strong relationship development and management skills
+ Expertise of general lending products and overall mortgage industry.
+ This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities,
Education:
+ Bachelor's/University degree or equivalent experience
This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities. As part of this registration process, you must be fingerprinted unless you have fingerprints are on file with NMLS Registry that are less than 3 years old. This position further requires that you maintain and renew that registration on an annual basis, update registration information with the Registry on a timely basis, and provide your unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.
---
**Job Family Group:**
Consumer Sales
---
**Job Family:**
Consumer Product Sales
---
**Time Type:**
---
**Primary Location:**
West Palm Beach Florida United States
---
**Primary Location Full Time Salary Range:**
$90,000.00 - $90,000.00
In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
---
**Anticipated Posting Close Date:**
Mar 12, 2025
---
Citi is an equal opportunity and affirmative action employer.
Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Citigroup Inc. and its subsidiaries ("Citi") invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review **Accessibility at Citi ( .
View the "EEO is the Law ( " poster. View the EEO is the Law Supplement ( .
View the EEO Policy Statement ( .
View the Pay Transparency Posting ( is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Description

About NexGoal: NexGoal is a corporate recruiting firm that places high-quality, competitive, and driven former athletes in careers with our corporate clients.

Our Client's Company Profile: Our client takes pride in their stability and a proven record of home mortgage lending, commercial lending, and deposit banking services to their community. They strive to provide responsive, professional service.

Position Summary: The Mortgage Loan Officer will use their skills to present and sell beneficial financial solutions to clients in their region. This role offers full benefits, including 401k and pension.

Responsibilities:

• Overcome client's objections and offer advice and solutions on how to better handle mortgages
• Collect financial data to ensure quality recommendations for loan products
• Serve as the primary resource for borrowers in seeing out their financial goals
• Self-source valuable leads for new clientele

Qualifications:

• No NMLS license required
• A proven ability to self-source (closing 1-2 loans a month since January 2024)
• Able to remain competitive and coachable in a fast-paced environment
• Must be able to work in a team and independently
• Thorough knowledge of current mortgage lending regulations
• Knowledge of Microsoft Word, Excel, Outlook, and PowerPoint
• Excellent written and verbal communication skills

Note: By submitting your application, you agree to be automatically subscribed to NexGoal's e-newsletter, providing weekly Career Advice articles and Job Board updates. NexGoal will not share your email address with any third parties. You will be free to unsubscribe at any time.

Description

Summary:

The Mortgage Loan Officer position provides Simply the Best customer service to each customer at all times. Responsibilities include using internal and external referral sources to develop mortgage loan business; builds and maintains business relationships within the community.

Duties & Responsibilities:

+ Develops new and expands internal and external referral sources to grow mortgage business

+ Using consultative selling techniques, advises clients on mortgage loan options and other financial products.

+ Provides excellent customer service from approval through closing, working closely with loan origination sources to secure and verify all information required for underwriting.

+ Responsible for maintaining client relationships.

+ Advises customers on the completion of loan applications.

+ Performs other duties as assigned.

Basic Qualifications:

+ High school diploma or GED

+ One or more years of mortgage loan origination experience, preferably at a bank

+ NMLS license

Preferred Qualifications:

+ Pipeline and book of business

+ Bachelor's degree preferred

+ Knowledge of mortgage loan products (conventional, FHA/VA, construction lending and portfolio programs)

+ Knowledge of mortgage procedures, documentation, and underwriting guidelines

+ Demonstrated ability to identify opportunities to cross-sell financial products and services

+ Effective written and verbal communication skills

+ Strong organizational skills -Ability to multi-task

+ PC - Internet skill

Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)

No

Workplace Type:

Hybrid

Huntington is an equal opportunity and affirmative action employer and is committed to providing equal employment opportunities for all regardless of race, color, religion, sex, national origin, age, disability, sexual orientation, veteran status, gender identity and expression, genetic information, or any other basis protected by local, state, or federal law.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Agency Statement: Huntington does not accept solicitation from Third Party Recruiters for any position

This employer will not sponsor applicants for the following work visas: F-1 student, H-1B worker, O-1 worker, TN worker, E-3 worker. Applicants must be currently authorized to work in the United States on a full-time basis.

About Newfi Lending

Founded in 2014 and headquartered in Emeryville, CA, Newfi Lending is owned by Apollo Global Management, one of the largest private-equity firms in the world. As one of the largest non-QM lenders in the industry, we are passionate about offering innovative lending solutions to borrowers nationwide. Our proprietary loan programs and common-sense exceptions offer greater opportunities to qualify self-employed borrowers, real estate investors, or borrowers needing ways to access their home equity in our Wholesale, Correspondent, and Consumer Direct channels. We are looking for forward-thinking and dynamic professionals to be a part of Newfi's story.apply today to join our team!

Newfi offers an amazing compensation package along with member service leads, digital mortgage technology, top of the line local processing and a hybrid work-from-home/office opportunity!

Newfi is operated by industry veterans who have experience running top mortgage companies and developing diverse product offerings (National Lender).

We offer our Loan Advisors qualified client introductions from our own lead generation and lead partners. We are a direct lender and offer the opportunity for Loan Officers to originate a unique second lien product offered by no other lender. Loan originations are supported with a full suite of proprietary technology solutions, to speed up quoting, applying, packaging, and originating loans (w/ support of a Loan Assistant).

Requirements

Who we need:

• Ability to convert Company Leads into Fundings following Company Lead Protocol.
• Minimum 2 years of successfully originating loans.
• Minimum 2 years mortgage experience.
• High comfort level with advanced online technologies.
• Must be SAFE Act compliant and NMLS licensed (UST).
• Possess a positive, enthusiastic and high-energy attitude.
• Uncanny client relationship builder who is motivated by growth.

Benefits:

• Competitive comp plan with salary.
• 401k and full medical, dental, vision.
• Leadership at your fingertips.

Newfi Lending is an Equal Opportunity Employer. We respect and aim to empower individuals and support the diverse cultures, perspectives, skills, and experiences within our workforce.

Visit us at or

Disclaimer:

The above statements are intended to describe the general nature and level of work being performed by persons assigned to this position. They are not intended to be an exhaustive list of all associated responsibilities, skills, efforts, or working conditions. The Company reserves the rights to change, amend, add, delete, and otherwise assign any and all duties, responsibilities, and position titles, as it deems necessary to meet the needs of the business.

At SmartBank, our benefits package is designed to enhance your life. You'll enjoy medical, dental, vision, life, and disability insurance, as well as a 401(k) plan with a 4% employer match. Our generous paid time off (PTO), SmartFlex Days, and 11 Paid Company Holidays promote work-life balance. Engage in paid community involvement, enjoy company apparel, and access tuition reimbursement for your growth.

About Us

SmartBank is rooted in our core values: Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our team lives and breathes these values to fulfill our core purpose: creating "WOW" experiences for our clients. For over 15 years, we've been delivering on this purpose in Tennessee, Alabama, and Florida, and we're continuously expanding our reach. Our team is empowered to care for our clients and actively participate in the communities we serve. At SmartBank, we prioritize individual needs, set high expectations, and celebrate achievements - that's the SmartBank way.

Your Role as a Residential Lender

1. Upholds SmartBank Core Values and Core Purpose.
2. Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart. Actively participates in mortgage department meetings and geographic market meetings.
3. Works in the community to create a brand awareness through outside sales.
4. Attend events throughout the markets they support to increase brand awareness.
5. Solicits first mortgage loans. Informs prospective loan clients of the financial institution's underwriting guidelines and applicable secondary market guidelines.
6. Accepts online applications and interviews loan applicants by phone or in-person.
7. Completes each loan application and all pre-processing functions in a timely manner to permit the disclosures to be sent out within the required three-business day period.
8. Works with loan processor in gathering requested documents and necessary signatures for loan files.
9. Orders credit reports and analyzes the credit history of applicants to determine their loan repayment capabilities. Completes appropriate underwriting documentation for each loan file.
10. Submits loan to AUS for initial approval.
11. Ensures maintenance of consistent file management, documentation and loan administration practices.
12. Attends loan closings at various locations in the community they serve.
13. Actively markets SmartBank's mortgage products and services to realtors, builders, CPA's, financial planners, title companies, etc. to solicit mortgage business. Completes weekly sales call reports and pipeline reports in a timely manner.
14. Handles mortgage loan inquiries (cold calls) generated from advertising sources, customer referrals, etc. for assigned territory by visiting potential clients in the field.
15. Cross-sells all other bank products when warranted and appropriate.
16. Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
17. Performs other duties as assigned.

Position Requirements and Qualifications:

Education:

1. Bachelor's degree in business, finance or related field preferred.
2. Two to four years of experience in originating secondary market mortgages, preferably in a bank environment.

Training Requirements (licenses, programs, or certificates):

1. NMLS registration required; participates in periodic training in mortgage products, services, regulations and compliance.

Knowledge, Skills, and Abilities:

1. Underwriting knowledge.
2. Excellent communication skills (written, verbal, listening).
3. Detail-oriented and well-organized.
4. Ability to handle multiple priorities and produce results.
5. Ability to handle frequent changes.
6. Ability to maintain confidentiality and adhere to the institution's privacy policies.
7. High level of integrity.
8. Willingness to travel throughout their assigned territory to meet clients, solicit new business and attend community events in an outside sales capacity creating brand awareness.
9. Work with little to no guidance but willing to independently meet goals and objectives as defined by supervisor.
10. Self-motivated/takes initiative.
11. Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing proficient.
12. Demonstrates ability to maintain a positive attitude.
13. Able to maintain regular and predictable attendance.
14. Willing to accept new ideas and methods and be agreeable to change.

Work Conditions:

1. Able to routinely stand, sit, bend and stoop.
2. Frequently and regularly required movements using wrists, hands, and/or fingers.
3. Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
4. Ability to hear average or normal conversations and receive ordinary information.
5. May be required to travel to training sessions or meetings.

SmartBank Associate Benefits

SmartBank can offer you a comprehensive benefits package, including:

• Medical, dental, vision, life, and disability insurance.
• A 401(k) plan with an employer match of up to 4%.
• Generous paid time off (PTO), including a minimum of 3 weeks.
• SmartFlex Days.
• Up to 11 Paid Company Holidays.
• Mental health benefits, include 8 free sessions with a coach or certified professional.
• Paid community involvement opportunities.
• Company-provided apparel at no cost.
• Learning and development opportunities, including professional and career development and tuition reimbursement.

Are you ready to be a part of the SmartBank team and experience all these incredible benefits? We look forward to welcoming you to our exceptional team!

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Job Description
We are looking for a Loan Officer to join our team at Houzd Mortgage. Our loan officers have the potential to make an unlimited commission income, with multiple loan officers making over $1 Million annually. As a Loan Officer, you will be responsible for developing 10 business Partners, taking full loan applications, and helping get borrowers pre-approved. You will also serve as the client's go-to resource for financial guidance and solutions while building and managing a strong pipeline of loans to meet and exceed sales goals. Additional responsibilities include calling and networking weekly, generating 50 leads per month, building, and maintaining a 400-person database, visiting open houses regularly, as well as being top of mind with clients. If this sounds like something that interests you then we want to hear from you.

Requirements

• One or more years of experience in mortgage origination
• Licensed
• Proven success as a loan officer, originator, banker or wholesale account executive
• Well-developed understanding of mortgage sales, processing, underwriting and closing procedures
• Strong business-to-business relationship-building skills
• Confident communication skills via phone and webcam
• Passion and work ethic to keep getting better every day
• Hard worker willing to take accountability for actions
• Positive attitude and a passion for the mortgage industry
• High-school diploma, GED or equivalent (minimum) Preferred
• Knowledge of Conventional, FHA, VA, USDA, Jumbo and Non-Agency loan products
• Previous experience working in a broker environment
• Open to learning, willing to be coached and flexible in an ever-changing industry

Benefits

This position is fully-commissioned, and no salary is provided.

This role is intended for originators looking to double their current commission by transferring their license - maximizing their potential.