Mortgage Loan Originator

Job Description The Mortgage Loan Originator is responsible for educating and assisting borrowers through the closing process and beyond by reviewing income and credit documentation, preparing all loan disclosures, closing documentation, and coordinating closing logistics. This position takes a proactive approach on loan compliance and borrower education, ensuring Habitat’s internal teams have all lending compliance needs met, and by providing a positive, informative experience for the homebuyer. Responsibilities Uphold Habitat Metro Denver’s commitment to Affimatively Furthering Fair Housing, the Fair Housing Act, Equal Credit Opportunity Act, and Habitat Metro Denver’s Inclusivity goals. Comply fully with all federal, state, and local laws and regulations, including but not limited to the S.A.F.E Act and its registration, renewal, and updating requirements. Conduct detailed audits of financial documents, calculations, and loan information to identify discrepancies, mitigate risk, and ensure mortgage loans are originated with the highest level of accuracy and quality. Facilitate and monitor all pre-closing due diligence activities, including ordering and reviewing employment verifications, appraisal reports, title commitments, flood certifications, insurance coverage, and supporting financial documentation to ensure loan eligibility, accuracy, and regulatory compliance. Prepare all necessary disclosures for each closing through the Loan Origination System, Encompass, and save executed documentation in relevant homeowner databases. Coordinate and communicate each step of the contract and closing process with homebuyers, meeting with them virtually and in person as necessary. Perform due diligence checks on title commitments, legal descriptions, and other necessary closing documentation details to ensure closing and post-closing compliance needs are met. Coordinate operational processes for new loan origination products and expanded lending programs, partnering with internal departments and external stakeholders to ensure proper buyer vetting, compliance, documentation accuracy, and timely funding. Actively contribute to the development and enhancement of new lending products designed to support home sales for current homeowners and expand financing options to other Habitat affiliates. Set up all confidential loan files through consistent and accurate data entry into Habitat’s CRM and Homekeeper while coordinating with the accounting department for any post‑closing needs. Participate in the development, preparation, and delivery of internal and external reports, metrics, and analytics that support Affordable Mortgage Solutions’ operational performance, regulatory compliance, and program growth. Closing Operations & Stakeholder Management Provide excellent customer service to future homeowners by answering questions and responding to requests about the closing process, their loan terms, escrow, and related subject areas. Support the successful execution of closing schedules across all Habitat business lines by providing timely information, monitoring closing readiness, and supporting cross-departmental collaboration with Department leadership, Construction, Finance, and Grants teams to meet established deadlines. Manage relationships to ensure on-time deliverables and serve as a primary liaison between title companies, insurance agents, real estate agents, and internal departments to prepare all required closing documentation and facilitate timely loan closings. Attend all closings on behalf of Habitat for Humanity of Metro Denver. Loan Sales Collaborate with the Post‑Closing Operations Specialist to support loan sales, ensuring files are created, complete, and correct within one month of closing; collaborate with title company and internal teams to rectify errors in documents, as necessary. Satisfy requests from purchasing banks by coordinating with buyers, agents, and internal and external partners to execute additional documentation. Coordinate with loan investors on loan swaps or buybacks when sold loans become delinquent on an as‑needed basis. Systems, Training & Organizational Engagement Stay current on Encompass software updates and mortgage industry business practices and trends. Serve as an Encompass subject matter expert. Monitor lending trends, regulatory changes, and borrowers’ needs to provide policy and process recommendations that strengthen AMS’ lending programs and long‑term sustainability. Identify opportunities to streamline workflows and support the expansion of homeownership financing programs and strategic lending initiatives. Stay current on HOS and Stewardship Policies and Procedures, including but not limited to program requirements, homebuyer restrictions and affordability covenants to ensure seamless service delivery to Habitat homebuyers. Coordinate, train, and schedule volunteers on an as‑needed basis. Demonstrate a team‑first approach by adjusting priorities and providing support in other areas of the department during periods of fluctuating loan volume and operational demands. Demonstrate energy and passion for Habitat’s mission and Cultural Blueprint values in all aspects of the position. Qualifications Advanced skills in word processing, spreadsheets, and database management. Experience with, or the ability to quickly learn, loan origination software Encompass by EllieMae. Excellent written and verbal communication skills. Strong research skills. Ability to independently seek solutions but also work well in a small team‑based environment. Ability to maintain detailed and accurate correspondence logs. Solid foundation of mortgage experience. Ability to manage multiple projects simultaneously to meet tight deadlines. Ability to identify patterns, anticipate challenges and proactively develop solutions. Exceptionally organized and detail‑oriented. Excellent interpersonal skills with diverse people and populations. Highly skilled at identifying and correcting mistakes, missing, or erroneous information in documents. Ability to communicate with current and future homeowners with compassion and patience. Ability to adapt to changing business needs and provide cross‑functional support to other team members. Compensation $31.45 - $39.80 / hour #J-18808-Ljbffr Habitat for Humanity International