Mortgage Loan Officer
Position Title: Mortgage Loan Officer Department: Mortgage
As the proud affiliate lender of Century Communities—a top 10 U.S. homebuilder and the fastest-growing public builder for three years in a row—Inspire Home Loans knows what it takes to be a market gamechanger, and that includes providing you with all the resources, opportunities and benefits to build a thriving and rewarding career.
Team members enjoy an excellent benefits package that includes medical, dental, vision, 401(k) with employer match, paid time off and sick leave, plus home and mortgage discounts. We also offer competitive salaries with the potential for discretionary bonuses and/or commission structure (depending on the position).
Our mission of financing A Home For Every Dream™ is only possible with the best talent in the industry. If that’s you—if you’re a self-starter, changemaker and thoughtful collaborator ready to take their career to the next level—then apply today!
Inspire Home Loans is seeking an experience loan officer to join the team in our Southern California location. This role will be responsible for continually identifying, developing and maintaining customer financing objectives, advising customers of product/pricing policies and guidelines while gathering any additional required information. The Loan Officer will ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and all regulatory requirements.
Essential Functions and Responsibilities:
- In conformity with Inspire Home Loans' policies/procedures and applicable law, the Loan Officer will collect and analyze each customer's financial information and assess if the individual can qualify for a specific loan product.
- Advise the potential borrower regarding risks and benefits of the loan alternatives, including the options and variables involved.
- Discuss the loan products available to best meet the needs of the individual depending on their personal circumstances.
- Ascertain all pertinent documentation to ensure the loan is approved.
- Communicate effectively with all parties to include the customer, the sales associate, processing, underwriting, closing, the title company and the builder.
- Lock the rate.
- Manage personal production and ensure closings are handled appropriately and timely.
- Meet and/or exceed company standards.
- Demonstrate the highest level of professionalism and customer service towards all customers.
- Perform other duties as needed or assigned.
Knowledge, Skills and Background:
- Thorough knowledge of all loan types to include conventional, FHA and VA.
- Proficient with loan origination systems, Encompass, a plus.
- Thorough, working knowledge of AUS (LP, DU).
- Proven track record of building and maintaining strong, professional business relationships.
- Ability to handle a heavy work load with minimal supervision.
- Must be available to travel (inter-state) when needed.
- Independent, reliable, detail focused and organized.
Education and Experience:
- Bachelor Degree is preferred or equivalent combination of education and experience required.
- Must have a minimum of 3-5 years' experience originating loans, builder preferred.
- Must be actively licensed in the State of California (NMLS).