Job Details
Job Location
7294 Columbia SC - Columbia, SC
Description
Summary/Objective
The Outside Loan Originator provides residential mortgage loans to borrowers looking to purchase real estate or refinance an existing mortgage and generates leads to increase production. An Outside Loan Originator works greater than 50% of the time away from the office.
Essential Duties
Reasonable accommodations may be made to enable individuals with disabilities to carry out essential functions.

1. Establishes and maintains relationships with realtors, builders, title companies and other related companies to generate and expand business through the execution of marketing campaigns and promotional events. Hosts community education seminars for real estate professionals.
2. Identifies the creditworthiness of borrowers by examining credit reports, tax returns and assets.
3. Counsels borrowers on the appropriate loan programs and educates them on the mortgage loan process. Responds to customer questions and concerns.
4. Originates the mortgage loans, including pricing and locking pre-approved loan transactions. Discloses Loan Estimates and other necessary documents within the required timeframes.
5. Maintains current knowledge of agency and investor guidelines as well as state and federal regulations.
6. Follows up on leads, loan applications, missing items, and conditions. Ensures items are submitted prior to the service-level agreement deadlines.
7. Updates borrowers and their agents on the status of loan applications.
8. Oversees the production pipeline and resolves escalated issues to ensure loan transactions close correctly and in a timely manner.
9. Provides superior customer service to achieve customer satisfaction.

Qualifications
Required Education/Experience
Requires a high school diploma. Must possess working knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and investor guidelines and state and federal banking laws and regulations, such as TRID, TILA, RESPA, HMDA, FCRA, ECOA, SAFE Act, QM, UDAAP and Flood Disaster Protection.
Preferred Education/Experience
Preferable to have a bachelor's degree and many years of experience in originating loans. Must possess working knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and investor guidelines and state and federal banking laws and regulations, such as TRID, TILA, RESPA, HMDA, FCRA, ECOA, SAFE Act, QM, UDAAP and Flood Disaster Protection.
Additional Qualifications for Eligibility
Additional qualifications for eligibility include an NMLS license.
InterLinc Mortgage is an EEO company