Senior Mortgage Officer

Corporate Opportunities Folsom, California

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Description

Salary Range: $43,000 - $150,000.00+ 
This role is commission based and the annual earnings are based on production, with a minimum earnings of $43,000.00
Exact compensation may vary based on skill, experience and location.
POSITION PURPOSE
Responsible for originating real estate loans, contacting borrowers, and identifying the desires of the borrowers in order to help with their home financing needs.. Continually identifies, develops, and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. Network may consist of real estate professionals, builders, and professional and personal contacts, as well as other valuable referral sources, and is enhanced by the regular participation in business-related development opportunities, community efforts to promote homeownership, and membership in professional organizations.   
 
ESSENTIAL FUNCTIONS AND BASIC DUTIES
  • Discuss SAFE’s mortgage programs with potential borrowers.
  • Determine if applicants qualify for the requested mortgage; recommend appropriate mortgage programs.
  • Submit timely, accurate, and complete mortgage files to Real Estate Lending for processing, underwriting, doc drawing, and funding.
  • Meet minimum production goals, as assigned.
  • Maintain current, complete, and accurate status in origination systems for all loans assigned.
  • Develop referral sources in the community.
  • Discuss other SAFE products and services with borrowers.
  • Develop a business referral network through marketing, cold-calling, prospecting, and networking activities.
  • Participate in community events to promote home ownership, discuss SAFE’s mortgage programs with potential borrowers.
  • Develop a purchase pipeline by building a network of realtors who refer potential buyers, and through the realtor and builder association groups.
  • Stay abreast of product, financing, technology, and marketing trends while representing SAFE in the community.
  • Follow up on referrals in a timely fashion.
  • Complete other duties, as assigned.
 
QUALIFICATIONS
 
Education/Certification:
Associate's degree or equivalent from a two-year college or technical school; and five to eight years of related experience and/or training; or an equivalent combination of education and experience.
Certification:
  • NMLS license.
 
Required Knowledge:            
Five or more years of experience in mortgage sales. Knowledge of FNMA, HUD, USDA, VA, and FHLMC guidelines. Experience with Encompass preferred.
 
Experience Required: 
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 
 
Skills/Abilities:
  • Excellent oral and written communication skills.
  • Demonstrated skill in planning, organizing, and controlling work.
  • Good public relations ability, with the ability to speak clearly.
  • Ability to work in a team environment.
  • Ability to use a personal computer, with emphasis on Microsoft Office (Word, Excel).
 
 
WORK ENVIRONMENT/PHYSICAL DEMANDS SUMMARY
 
LANGUAGE SKILLS
  • Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
  • Ability to write routine reports and correspondence.
  • Ability to speak effectively before groups of customers or employees of organization.
 
MATHEMATICAL SKILLS AND REASONING ABILITY 
  • Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
  • Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
  • Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
  • Ability to deal with problems involving several concrete variables in standardized situations.
 
PHYSICAL DEMANDS AND WORK ENVIRONMENT
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. 
 
  • While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
  • The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
  • The employee must occasionally lift and/or move up to 10 pounds.
  • Specific vision abilities required by this job include close vision.
  • The noise level in the work environment is usually moderate.
 
 
 
INTENT AND FUNCTION OF JOB DESCRIPTIONS
 
This is not necessarily an all-inclusive list of job-related responsibilities, duties, skills, efforts, requirements or working conditions.  All descriptions have been reviewed to ensure that only essential functions and basic duties have been included.  Peripheral tasks, only incidentally related to each position, have been excluded.  Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions.  While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.
 
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.  However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.
 
Job descriptions are not intended as and do not create employment contracts.  The organization maintains its status as an at-will employer.  Employees can be terminated for any reason not prohibited by law.

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