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REMOTE: Experienced Mortgage Loan Originator - Loan Officer -

Vision One Mortgage Orange County ,CA
  • Expired: over a month ago. Applications are no longer accepted.
Job Description

Vision One Mortgage Inc. is a full-service direct lender. Our main focus is service, we employ a knowledgeable staff of experienced Mortgage Bankers and Underwriters & Processors who have a COMMON-SENSE approach. We also offer an in-house processing team which consists of licensed members who have extensive knowledge and superior customer service skills which in return gives us fantastic turnaround times.

Job Summary:

Under the direction of the Branch Manager, the Loan Officer facilitates residential mortgage loans, and advises borrowers on available finance options. We provide floating desk, conference room and monthly training as well as event updates out of the Orange County area.

Job Description:

  • ABILITY TO GROW
  • Responsible for the outside sales and origination of self-generated residential mortgages. Customarily and regularly involved in activities related to selling loans away from the office.
  • Develop and maintain relationships with real estate agents, financial planners, individual borrowers and builders, etc.
  • Accurately obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Meet with applicants to obtain information for loan applications and to answer questions about the process.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Responsible for proper adherence to legal regulatory and company policies/procedures.
  • Follow proper risk audit and compliance controls to mitigate financial risk to the organization while maintaining an environment focused on quality customer service.
  • Responsible for ensuring that outstanding service is delivered to our customer and clients.
  • Perform business development activities to increase recurring production including: maintenance of a client database, client and customer calling/monitoring efforts and additional activities as proposed by management.
  • Manage a loan pipeline and the loan process to ensure loans fund in a timely manner.
  • Interact with various corporate functions i.e. legal & compliance, operations risk, underwriting, closing, technology, etc., to improve the loan servicing process, minimize risk and improve performance tracking and controls.
  • Develop and maintain relationships with real estate agents, financial planners, individual borrowers and builders, etc.
  • Attendance requires regular, reliable and punctual attendance.
  • Follow proper risk, audit and compliance controls to mitigate financial risk.
  • Handle customer complaints and take appropriate action to resolve them.
  • Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
  • Review and update credit and loan files.
  • Submit applications to credit analysts for verification and recommendation.
  • Analyze potential loan markets to develop prospects for new loans. Assist in defining existing loan products and developing new loan products to improve profitability and sales execution.
  • Other duties as assigned.

Essential Function:

Originate residential real estate mortgage loans. This includes obtaining applications as well as coordinating and assisting in the processing and closing of loans. The Loan Officer will develop and maintain existing client relationships as well as identify and pursue potential new customer opportunities. Responsible for making sound decisions based on a mixture of data analysis resources and experience, use rigorous logic, seek complete course of action in decision making, and articulate recommendations in writing and verbally. Consistently meet or exceed company goals, and meet and maintain all licensing requirements including continuing education.

Minimum Qualifications:

  • 1 years of experience in mortgage field
  • NMLS state and federal.
  • Knowledge of conventional and/or government guidelines.
  • Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending.
  • Teamwork and customer service oriented.
  • Self-motivated and highly organized.
  • Familiar with FHA and HUD guidelines.
  • Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information.
  • Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
  • Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
  • Ability to analyze and comprehend complex financial data and provide financial alternatives.
  • Professional and effective interpersonal skills.

Job Type: Contract

Experience: Mortgage: 1 year (Preferred)

License: NMLS (Required)

Additional Compensation: Commission

Below you will find a list of some of the common programs we offer as well as Niche Programs which can add value to your services. I highlighted a few I think may stick out to you:

Loan Programs

  • Conventional (FNMA-FHLMC) 15 & 30 Year Fixed and ARMteam
  • All FNMA programs
  • FNMA DU Refi Plus up to 135% LTV and Unlimited CLTV
  • All Freddie Loan programs (W2 only programs)
  • FHA 30& 15 Year Fixed and ARM products
  • VA 30 & 15 Year Fixed and ARM products
  • Renovation Loans
  • Jumbo 30& 15 Year Fixed and ARM products
  • Interest Only
  • ARMs (3 Year, 5 Year, 7 Year & 10 Year) products
  • Reverse Mortgage
  • USDA & Rural Housing

Alt-QM Portfolio products

  • Asset Depletion
  • Owner Occupied Non-Prime Loans up to 90% LTV (VOE Only, 1099 Only, P & L Only, 24/12, even 1-month Bank Statements, Asset Depletion, Non-Occupant Co-Borrower, Gift funds ok, etc….)
  • Non-Owner Occupied Non-Prime NO Doc Loans up to 75% LTV (No Income Stated, No Income Documents needed)
  • NO Doc Loans up to 75% LTV
  • Non-Warrant able Condos
  • Investor Cash Flow (1007 or Lease Agreement > Mortgage Statement)
  • MANY MORE….JUST ASK ME

Our mission is to build a strong team and serve our clients with simplified, efficient and seamless loan transactions. Our team aims to earning business by build trust and creating a relationship that will last a lifetime.

Company Description
Our Philosophy is simple, give you the tools you need to help your clients best. Every person has a different need, a different strength, a different area where they may need help. We will help you highlight your strength or strengthen your weakness. We will pay you fair and give you the ability to do what is best for yourself, your client and the company.

All we ask in return is you have respect for the process, respect for the individual and most of all respect for your client and network. You are an extended representation of us.

Please feel free to ask any questions!

Vision One Mortgage

Our Philosophy is simple, give you the tools you need to help your clients best. Every person has a different need, a different strength, a different area where they may need help. We will help you highlight your strength or strengthen your weakness. We will pay you fair and give you the ability to do what is best for yourself, your client and the company. All we ask in return is you have respect for the process, respect for the individual and most of all respect for your client and network. You are an extended representation of us. Please feel free to ask any questions!

Address

4001 MacArthur Blvd
Orange County, CA
USA

Website