Mortgage Loan Originator
Company: GEM Mortgage
Location: Ontario
Posted on: January 27, 2023
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Job Description:
GEM Mortgage, a division of Golden Empire Mortgage (GEM) is
proud to hold ourselves as one of the most respected lenders in the
mortgage industry for over 30 years. The GEM business philosophy
holds true that all consumers deserve access to credit, where "our
customers are our business" is the cornerstone for
excellence.Golden Empire Mortgage isn't just about mortgages and
home lending - GEM is about people, and building lasting customer
relationships.At GEM we understand that the lending process can be
intimidating, that's why we ensure that all of our employees hold
to the highest level of client satisfaction. We pride ourselves on
integrity, knowledge and state of the art technology all in an
effort to provide our customers with excellent customer service and
the best rates possible.Under general supervision of the Branch
Manager, the Mortgage Loan Originator is responsible for
origination of mortgage loans. This position conducts initial
pre-qualification interviews and prepares complete loan application
packages and necessary documentation. The Loan Originator also
conveys policies for extension of credit in accordance with Company
and investor guidelines, serves customers, prospective customers,
builders, developers and realtors promptly and
professionally.Essential job functionsResponsible for originating
own sales by contacting prospective clients and by developing and
maintaining referral sources.Spend over 50% of time away from
employer's place of business in performing principal duty of
selling loan productsoffered by company.Interviews, takes
applications, and processes preliminary documentation on loan
requests. Discuses loan alternatives,credit criteria, interest
rates, and loan documentation with customers.Assesses customer's
applications and evaluates products, pricing, and other variables
in order to determine whichmortgage products might best serve
customer's needs.Submits, within company designated time frames,
all files to operations staff for processing, underwriting,
closing, andfunding.Performs follow-up work to achieve conditional
loan approval within established time frames.Locks in rates and
programs for customers when reasonably requested and in a timely
manner.Completes lending operations in accordance with established
Company policies and legal requirements.Assumes responsibility for
establishing and maintaining effective and professional business
relations with customers,realtors, building professionals, and
referral partners.Maintains current and thorough knowledge of all
lending programs, policies, procedures and regulatory
requirements.FLSA Status: Commission OnlyMinimum requirementsHigh
School or GED required.NMLS MLO License.Knowledge, Skills and
AbilitiesAbility to prioritize and multi-task, while working in a
fast paced environment.Exceptionally detailed, focused and
motivated professional.Excellent communication skills.Pleasant with
customers, business partners and colleagues.Knowledge of automated
underwriting systems (DU/LP), HUD and RESPA
Regulations.Comprehensive understanding of legal, compliance and
Investor requirements.
Keywords: GEM Mortgage, Ontario , Mortgage Loan Originator, Other , Ontario, California
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