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Loan Officer (Portland Housing Center)
Ref No.: 18-01105
Location: Portland, Oregon
Purpose:        To originate brokered first mortgage, down payment assistance and refinance loan products, establish and maintain effective mortgage broker relationships, ensure that Portland Housing Center loan customers receive excellent customer service. 
 
Supervisor:    Executive Director
 
Major Responsibilities:
 
  • Work with home buying team to assist mortgage ready customers through the mortgage finance process.
 
  • Originate brokered loans to meet agency mission and business plan goals.
 
  • Originate purchase first and refinance mortgages through brokerage relationships including conventional loans, FHA, VA, and USDA.
 
  • Educate Portland Housing Center clients and partners about the benefits of Portland Housing Center mortgage products and working with Portland Housing Center as a lender.
 
  • Develop and implement plan for sourcing of new loan leads both within the agency and externally. 
 
  • Document all customer contacts within the agency client management system and track clients in Encompass.
 
  • Assist in recruiting new partners and nurturing relationships to help ensure participation in and support for Portland Housing Center lending services. 
 
  • Ensure that all applicable state and federal lending laws and regulations are complied with in the origination of brokered loans.
 
  • Make optimal use of time to meet performance goals and provide high quality customer service.
 
  • Keep informed on lending industry trends and regulations, affordable housing issues and new and potential programs to assist first-time buyers and homeowners, and adjust services accordingly, keeping up on the current changes in the loan programs.
 
Skill and Experience Required:
 
  • Current Oregon State Mortgage Loan Originator License and NMLS SAFE Act compliant loan originator status.
¿    Four (4) years or more professional experience in mortgage lending.
¿    Experience originating an average of five loans per month in a brokerage environment.
¿    Working knowledge of Encompass and Microsoft Office programs. 
¿    Familiarity with general underwriting guidelines for affordable lending products.
¿    Able to successfully complete Neighborhood Reinvestment Corporation's Full Cycle Lending Mortgage Lending Certification.
¿    Bachelor's degree in a related field or equivalent combination of education and experience.
¿    Demonstrated ability to effectively explain the home buying process and mortgage financing process to first-time home buyers.  
¿    Demonstrated ability to work with people of diverse ethnic, socio-economic backgrounds.
¿    Demonstrated exceptional communication track record with both internal and external stakeholders.
 
Performance Measures for Major Responsibilities:
 
¿    Meet the goals, strategies, and work plan set in the annual Business Plan.
¿   Keep current with resources, regulations and trends related to major responsibilities and continuing education requirements.
 
Organizational Performance Measures:
 
¿    Work cooperatively with Portland Housing Center staff to carry out organizational goals.
¿    Exhibit excellent customer service skills, including responding to all calls and voicemails within one business day. 
¿    Adhere to organizational policies and procedures and all applicable regulations.
¿    Promote the Portland Housing Center and its services.
 
Working Conditions
Normal office environment.  Occasional standing for long periods of time.  Some lifting required (20-40 lbs.)  Ability to work occasional evenings and weekends.  Travel to other training locations periodically required.