What are the responsibilities and job description for the Residential Mortgage Loan Originator position at SFCareers?
Residential Mortgage Loan Originator OpportunityWe are actively seeking driven and mission-aligned individuals who are ready to make a meaningful impact in the banking industry. Our team is comprised of ambitious goal-setters, determined go-getters, and innovative changemakers. Together, we celebrate achievements, confront challenges directly, and continuously strive to redefine what residential real estate lending can accomplish.Our organization is deeply committed to fostering an inclusive, equitable, and diverse culture. In the role of Mortgage Loan Originator, you will play a vital part in reaching mortgage production goals, all while upholding our mission-driven values. Success in this position demands a proactive, community-focused mindset and a strong desire to thrive within a purpose-driven environment.This position offers more than just a job—it is an opportunity for you to truly make a difference and contribute to meaningful changes within our organization and community.What You’ll be driving as a Mortgage Loan OriginatorProduce high-quality residential mortgages by proactively sourcing and closing loans. Consistently meet both volume and quality objectives while providing outstanding customer service.Build a strong referral network by connecting with realtors, builders, and community partners to ensure a steady flow of new lending opportunities.Manage incoming leads from multiple channels, including company-provided referrals and client partners, while proactively generating self-sourced leads through effective partner relationship development.You will deliver regulatory and operational excellence by keeping the lending process organized and providing disclosures on time, ensuring complete compliance with relevant regulations.Assess borrowers' financial needs and guide them through the loan process professionally and enthusiastically.Review credit reports, income documents, and financial statements to assess loan eligibility, ensuring adherence to Fair Housing regulations and Truth in Lending Act (TILA) standardsConduct negotiations regarding loan terms with clients, maintaining clarity and transparency and ensuring strict compliance with contractual obligations and applicable regulatory requirements.Work with underwriters, loan processors, and loan closers to streamline loan processing and originations.Perform credit analysis and quantitative assessments to accurately determine levels of borrower risk.Meet production goals by proactively working with customers and agents, leveraging data to efficiently organize and manage your business portfolio for maximum effectiveness.Contact borrowers quickly after receiving leads and follow up to evaluate financing readiness and provide tailored support. Key Competencies Utilized in This PositionIndustry Expertise and Real Estate Lending Knowledge: You will leverage your comprehensive knowledge of residential mortgage products and lending regulations to expertly assist clients throughout the home financing process, ensuring accuracy and instilling confidence.Sales and Production Experience: Your proven ability to generate quality loans and cross-sell banking products will help you achieve performance targets.Educational Foundation and Experience: A college business degree or equivalent mortgage industry experience helps you assess finances, communicate clearly, and make sound lending decisions.Strong Communication & Relationship Skills: Use your interpersonal abilities to build trust, anticipate client needs, and maintain relationships with referral partners and borrowers.
Salary : $80,000 - $250,000