Mortgage Loan Originator

Read on to find out what you will need to succeed in this position, including skills, qualifications, and experience.

Job Summary

Join our team as a Loan Originator and make a meaningful impact by helping customers secure the financing they need to reach their goals. In this role, you'll serve as both a lending expert and trusted partner, guiding borrowers through the loan process from application to approval. You'll evaluate loan opportunities, provide tailored solutions, and ensure a smooth, compliant lending experience. If you enjoy building relationships, delivering outstanding customer service, and helping clients confidently navigate their financial options, this is an opportunity to grow your career while making a difference in customers' lives.

What you'll do

• Guide customers through the loan process from application to final decision, providing a seamless and positive customer experience.
• Assist new and returning customers with completing loan applications, gathering financial information, and understanding available financing options.
• Evaluate applicant income, assets, liabilities, credit history, and other financial information to determine loan eligibility and risk.
• Recommend appropriate loan products based on customer needs and qualifications.
• Review and decision mortgage loan applications in accordance with lending guidelines, company policies, and regulatory requirements.
• Communicate loan decisions, terms, conditions, and next steps clearly and professionally to customers and business partners.
• Ensure loan files are complete, accurate, and properly documented throughout the origination process.
• Identify and mitigate potential risks, including fraud, misrepresentation, and compliance concerns.
• Build trusted relationships with customers by providing knowledgeable guidance, timely communication, and exceptional service throughout the lending journey.
• Partner closely with Retail Home Centers and internal teams to streamline the loan process and achieve timely approvals.
• Serve as a key point of contact for customers, answering questions and resolving issues with professionalism and urgency.
• Collaborate with loan processors, underwriters, and other stakeholders to ensure efficient loan fulfillment.
• Maintain thorough and organized loan records, correspondence, and supporting documentation.
• Ensure all activities comply with applicable lending regulations, company policies, and industry standards.

What you'll bring

• Education

  Bachelor's degree or equivalent experience required.

  
  

• Experience

  0 experience with bachelor's degree or 4 years related experience with high school diploma or equivalent.

  
  

• Licensing: Nationwide Multistate Licensing Systems (NMLS) licensing for assigned states required.
• Have taken or ability to complete required 20 hours education for licensing and continuing education requirements.
• Meet all federal and state requirements (e.g., background checks) to obtain mortgage originator license (MLO).
• Basic computer skills with ability to type at least 25 wpm.
• Ability to communicate effectively and efficiently via phone, email, and person to person.
• Exhibit adaptability and flexibility in adjusting communication styles and approaches to accommodate diverse personalities, preferences, and cultural nuances.
• Capability of gathering facts accurately, analyzing causes, evaluating alternate solutions, and arriving at sound conclusions on action to be taken.
• Ability to manage multiple and/or conflicting responsibilities.
• Great attention to detail and organizational skills.
• Ability to work in a team environment.
• Knowledge of AS/400, Word, and Excel a plus.

TRAVEL REQUIRED: As Needed

WORK SCHEDULE: Hybrid– 4 days in-office, 1 day remote after training

PAY: The expected base pay range for this position is from $50,000 plus additional bonus opportunity resulting in an expected total annual compensation of $90,000 to $100,000. The stated hiring range is based on experience, qualifications, and other relevant factors. Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs.

BENEFITS:

• Medical and Dental Plan with Prescription Coverage and Vision.
• Competitive benefits including 401(K) includes 100% company match of the first 4%.
• Paid time off days (PTO), maternity/paternity leave, and holidays.
• Community involvement including Volunteer Paid Time Off (VTO).
• Tuition Assistance for your first degree
• Enjoy coming "home" to our brand new, state-of-the-art Home Office equipped with onsite fitness facility with full gym, workout classes, volleyball and basketball courts, ping-pong, disc golf course, and onsite restaurant.
• Wellness programs that focus on emotional, social, spiritual, intellectual, environmental, physical, and financial well-being.
• Collaborative and energetic work environment.
• Professional development and promotional opportunities.
• Competitive bonus programs. xhyhwjd

Vanderbilt Mortgage and Finance, Inc. is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status.