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Sr. Loan Officer (International City Mortgage)
Ref No.: 16-07690
Location: San Diego, California
International City Mortgage, Inc ( "ICM”) is a privately held residential mortgage banker. Founded in 1987 on the principles of responsible lending, competitive rates, and exceptional service, we have successfully weathered mortgage industry cycles and are positioned for sustained growth. Our retail branch locations are focused primarily on purchase transactions, which are generated from strong relationships with Realtors and Builders. As an approved Client Seller and Ginnie Mae Issuer, we are in a position to offer a wide range of financial solutions for home buyers and owners, including Conventional, FHA, VA, USDA, Jumbo and Bond products.
Our success as a company depends upon the collaborative efforts of our entire team. We seek to employ the best and brightest talent in the industry – customer service oriented mortgage professionals with extensive experience, a proven record of success, and deep industry understanding.
Description
POSITION SUMMARY:
The Mortgage Loan Officer proactively solicits new residential mortgage business and sells ICM
mortgage products to meet established loan quality and production goals.
The Mortgage Loan Officer continually identifies, develops, and maintains a quality network of business
relationships that serves as a recurring source of referrals for new mortgage lending opportunities.
A Mortgage Loan Officer's network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the Mortgage Loan Officer's regular participation in business related development opportunities.
The Mortgage Loan Officer responds to customer inquiries and referrals.
The Mortgage Loan Officer interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objective, advice customers of product/pricing policies and guidelines, and gather any additional required information.
The Mortgage Loan Officer ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Develops and maintains successful relationships with business referral sources
Prospects new mortgage lending opportunities
Determine borrower financing objectives and goals
Provides complete loan applications to fulfillment
Ensures exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers
Maintain pending files
Answer loan related phone calls when necessary
Maintain current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements
Perform all job functions in accordance with ICM policies and procedures


MINIMUM QUALIFICATIONS (KNOWLEDGE, SKILLS, AND ABILITIES):

Education:
High School Diploma or equivalent
4 year college degree preferred
NMLS License

Experience:
Minimum 2 years residential mortgage lending experience with a focus on generating self-sourced business
Demonstrated success in prospecting, generating leads, closing business and consistently
meeting/exceeding production goals
Verifiable, established network of referral business including Real Estate professionals and other centers of influence

Other:
Demonstrated understanding of mortgage processing, underwriting, and closing procedures
Knowledge of conventional and/or government lending guidelines
Understanding of Federal Regulations governing Real Estate Lending


ControlID: 14.234.89 SHR