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Procure new loan applications that result in funded loans.
Request and gather relevant information/documents from the borrower to complete the application, its structure and all loan disclosures. This must be done in coordination with processing as well as underwriting.
Adhere to all Envoy standards, including, but not limited to production minimums and customer service.
Educate borrowers on current offerings and programs for which they qualify
Stay current on personal finance principles in order to offer comprehensive mortgage advice to clients
Monitor the process and communicate effectively with the borrower and all other parties to the transaction on the status of the loan
Present complete and accurate files to the Processor
Coordinate the flow of information to all concerned parties
Prospect for new loan applications by meeting with and presenting products to potential referral sources such as realtors, CPAs, financial planners and past clients
Stay current with required continuing education, new products, Freddie Mac and Client guidelines, Envoy guidelines and overlays, and HUD guidelines
Maintain contact with past clients to promote Envoy's products
Ensure all marketing is performed in a manner that is compliant
Ensure maintenance of a current license to perform Loan Originator duties within their assigned branch
Comply with local, state and federal laws regarding position
Conduct business in an ethical manner and in the best interest of Envoy, with Envoy's core values in mind
Any additional duties that may be assigned by the Branch Manager
Must hold State NMLS or obtain applicable State license within XX days of employment or employment will be terminated
Satisfactorily pass background check
The employee must occasionally lift and/or move up to 25 pounds
Specific vision ability required by this job include close vision
While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel; reach with hands and arms; and talk or hear
The employee is occasionally required to stand; walk; climb or balance and stoop, kneel crouch or crawl
Job Description: The Loan Originator obtains purchase and refinance mortgage loans in accordance with established policies and procedures and appropriate guidelines by calling upon realtors; builders; past clients and referral partners; provides strong communication and support to management, underwriting, processors, and customers to clear stipulations needed. Reviews loans in process daily and determines which loans must be processed immediately. Performs document audit to approve or reject each loan package for funding. Resolves any exceptions with customer prior to funding. Administers the timely daily disbursement and receipt of funds. Enters data from new loan applications and other documents into computer system. Orders credit reports, appraisals, flood certifications, and title work. Refers loans that do not meet basic standards to staff underwriter. Provides follow-up on a consistent basis with internal staff, borrowers, and agents to complete processing. Analyzes loan files and submits completed loans for approval. Responds to inquiries from agents/referral partners and borrowers regarding status of loans in process. Completes loan sheets and conversion logs. Collects fees. Ensures regulatory compliance. Creates and maintains loan files. Processes approval and denial letters. Maintains status of all files in process and updates as needed; keeps abreast of all FHA, VA, and conventional guidelines and changes that may affect loan status. Completes all required paperwork and forms in a timely and accurate manner; prepares all required reports.
ControlID: 14.234.89 SHR
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