EmpowerHome Team
We are seeking an experienced mortgage loan officer with strong marketing, communication, and analysis skills to join our team and assist loan applicants in securing the ideal mortgage for their new home purchase. Our organization provides the support and tools you need to bring your business to the next level. If you are passionate about providing top‑notch service to clients and have a proven track record of retaining and building a client list, please start your application today!
Responsibilities
Manage a large pipeline of loans to ensure your production meets our requirements
Oversee all customer interactions and ensure a smooth transaction by interfacing with realtors, processors, and underwriters
Prospect, develop, and maintain relationships with potential new business referral partners such as realtors, builders, bank colleagues, and the community at large
Counsel borrowers to understand the pros and cons of different loan products to determine which is best for them
Work closely with industry related professionals to gather and prepare all necessary information to complete underwriting requirements
Proactively engage Buyer Leads generated by EmpowerHome Lead Generation pillars, presenting the value of working with EmpowerHome Mortgage in conjunction with EmpowerHome Teams, and scheduling appointments to complete and/or review loan applications submitted
Maintain accurate calendar availability, blocking when not available to take appointments that are booked by the EmpowerHome Inside Sales Department
Complete telephone, mail‑away, and face‑to‑face Loan Applications with clients and approve loan disclosures for distribution to clients. All required fields in the application must be completed, including all third‑party information, before approval
Determine proper program placement of a loan file (i.e., FHA, VA, Conventional, USDA, etc.)
Price, loan, and lock rates as per the Company policy
Review returned applications and documentation for completeness, accuracy, and compliance
Run AUS and review findings and required documentation
Prepare requested Pre‑Qualifications as per Company policy. Order credit reports, appraisals, and title requests. Conduct regular follow‑ups with clients and referral sources
Maintain regular communication with applicants throughout the processing period, assisting them with any questions and notifying them of any additional information required
Submit the loan file, allowing for stated turn times
Maintain a pipeline of all loans in process, track their progress, and meet all contractual deadlines
Meet or exceed minimum production requirements
Complete annual Business Plan and meet regularly with the Branch Manager
Keep informed of trends and developments in the local real estate market and competitive environment, as well as changes in rules and regulations pertaining to private and government‑insured mortgages
Maintain a professional image and standards consistent with company policies and procedures
Report to the Branch Manager
Qualifications
Maintain current registration with the National Mortgage Licensing System Registry
3‑5 years of real estate, mortgage origination, or lending experience required
Bachelor’s degree from a four‑year college or university required in banking, business, real estate, or a related field
Strong understanding of company loan policies and guidelines, as well as all federal and state regulations
Familiarity with multiple types of loans such as conventional, fixed/adjustable, FHA, VA, USDA, bridge, non‑conforming, FNMA and FHLMC, and Home Equity Lines of Credit
Minimum of 2 years of loan officer experience, or industry equivalent, or a Branch Manager, deems history acceptable
NMLS registration required
Proven ability to read, write, and communicate at a level consistent with the requirements of this position and to generate independent leads for new business and professionally communicate with existing and past clients
Working knowledge of standard loan products in the industry and strong familiarity with underwriting guidelines
High school or equivalent (Preferred)
Fair Housing regulations: 1 year (Preferred)
Sales: 2‑3 years (Preferred)
Loan origination: 1 year (Required)
Compensation $100,000+ Commission Based Pay Annually
$100,000 per year
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Responsibilities
Manage a large pipeline of loans to ensure your production meets our requirements
Oversee all customer interactions and ensure a smooth transaction by interfacing with realtors, processors, and underwriters
Prospect, develop, and maintain relationships with potential new business referral partners such as realtors, builders, bank colleagues, and the community at large
Counsel borrowers to understand the pros and cons of different loan products to determine which is best for them
Work closely with industry related professionals to gather and prepare all necessary information to complete underwriting requirements
Proactively engage Buyer Leads generated by EmpowerHome Lead Generation pillars, presenting the value of working with EmpowerHome Mortgage in conjunction with EmpowerHome Teams, and scheduling appointments to complete and/or review loan applications submitted
Maintain accurate calendar availability, blocking when not available to take appointments that are booked by the EmpowerHome Inside Sales Department
Complete telephone, mail‑away, and face‑to‑face Loan Applications with clients and approve loan disclosures for distribution to clients. All required fields in the application must be completed, including all third‑party information, before approval
Determine proper program placement of a loan file (i.e., FHA, VA, Conventional, USDA, etc.)
Price, loan, and lock rates as per the Company policy
Review returned applications and documentation for completeness, accuracy, and compliance
Run AUS and review findings and required documentation
Prepare requested Pre‑Qualifications as per Company policy. Order credit reports, appraisals, and title requests. Conduct regular follow‑ups with clients and referral sources
Maintain regular communication with applicants throughout the processing period, assisting them with any questions and notifying them of any additional information required
Submit the loan file, allowing for stated turn times
Maintain a pipeline of all loans in process, track their progress, and meet all contractual deadlines
Meet or exceed minimum production requirements
Complete annual Business Plan and meet regularly with the Branch Manager
Keep informed of trends and developments in the local real estate market and competitive environment, as well as changes in rules and regulations pertaining to private and government‑insured mortgages
Maintain a professional image and standards consistent with company policies and procedures
Report to the Branch Manager
Qualifications
Maintain current registration with the National Mortgage Licensing System Registry
3‑5 years of real estate, mortgage origination, or lending experience required
Bachelor’s degree from a four‑year college or university required in banking, business, real estate, or a related field
Strong understanding of company loan policies and guidelines, as well as all federal and state regulations
Familiarity with multiple types of loans such as conventional, fixed/adjustable, FHA, VA, USDA, bridge, non‑conforming, FNMA and FHLMC, and Home Equity Lines of Credit
Minimum of 2 years of loan officer experience, or industry equivalent, or a Branch Manager, deems history acceptable
NMLS registration required
Proven ability to read, write, and communicate at a level consistent with the requirements of this position and to generate independent leads for new business and professionally communicate with existing and past clients
Working knowledge of standard loan products in the industry and strong familiarity with underwriting guidelines
High school or equivalent (Preferred)
Fair Housing regulations: 1 year (Preferred)
Sales: 2‑3 years (Preferred)
Loan origination: 1 year (Required)
Compensation $100,000+ Commission Based Pay Annually
$100,000 per year
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