home lending officer

First Hawaiian Bank

<div>First Hawaiian Bank is currently seeking an experienced, customer-focused Commercial Real Estate Officer to join our Commercial Real Estate Team. 
Compensation
The annual salary range for this role is $70,000-$97,500/year; commensurate with experience.
The Commercial Real Estate Officer level and pay is at the discretion of the Manager and will be discussed at the time of the offer.
Work Schedule
 
Monday - Friday 8:00AM - 5:00PM (hours may vary)</div>
 <div>The ideal candidate will have:
<ul><li>Bachelor's degree in accounting, finance, economics, related field or equivalent experience.
</li><li>3+ years of experience in commercial real estate lending, risk management or equivalent.
</li><li>Personal Alignment with our Core values of Collaboration, Character, and Caring.</li></ul></div>
 <div>As a Commercial Real Estate Officer, you will assist with the underwriting and management of the Bank's commercial real estate loan activity throughout the State of Hawaii, Guam and Mainland U.S.</div>
 <div>As a Commercial Real Estate Officer, you will assist with the underwriting and management of the Bank's commercial real estate loan activity throughout the State of Hawaii, Guam and Mainland U.S.</div>

Commercial Real Estate Officer

Texas Heritage National Bank

<div>Description:

This position supports the credit administration function and assists in gathering and analyzing business and financial records and other information necessary to assess customer credit and risks in connection with primarily commercial loans. The Credit Analyst I assists in making determinations and recommendations on commercial credit decisions, credit risk, and loan requests through evaluation of financial statements, industry ratios, market risk, collateral, sensitivity analyses, and projections. The analyst works closely with loan officers, lending assistants, and other bank employees under the direction of the Director of Credit Administration and Senior Credit Analyst.
Duties/Responsibilities:<ul><li>
Analyzes the financial data of new and existing borrowers and prepares credit requests and reviews of existing credits.</li><li>
Provides general background of clients, transaction summary, projection modeling, loan covenant and condition compliance along with profitability, risk rating, relationship, and industry analyses.</li><li>
Assists in determining best loan structure for requests, helps to foresee future opportunities with clients, and provides credit recommendations.</li><li>
Assists in monitoring covenant and reporting compliance for assigned relationships, supports the preparation of annual reviews and renewals for existing borrowers, and communicates exceptions or deficiencies to the appropriate lending officer or credit administration staff.</li><li>
Works with loan officers, lending assistants, and loan operations staff to support file completeness and timely resolution of documentation requirements.</li><li>
Maintains working knowledge of applicable Bank lending policies, procedures, and regulatory guidelines.</li><li>
Provides strong and clear communication to co-workers, loan officers, and third parties.</li><li>
Adheres to all applicable internal policies and procedures and protects the confidentiality of borrower information.</li><li>
Follows BSA policies and procedures applicable to job functions.</li><li>
Performs additional duties as requested or assigned.</li></ul>
Requirements:

Required Skills/Abilities:<ul><li>
Working knowledge of basic accounting or financial principles; familiarity with credit/lending concepts is a plus.
</li><li>Demonstrates analytical, decision-making, and effective problem-solving skills.</li><li>
Strong attention to detail and accuracy.</li><li>
Demonstrates effective business writing along with excellent communication skills.</li><li>
Ability to work independently with minimal supervision and make sound judgments.</li><li>
Proficiency in Microsoft Office, including Excel and Word.</li></ul>
Education and Experience:<ul><li>
Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required; candidates currently enrolled in a qualifying program will also be considered.</li><li>
One or more years of experience in banking or a related financial services environment desired; candidates with a relevant degree and limited prior experience, including those with experience in other roles in banking or related industries, will be considered.</li></ul>
Physical Requirements:
Prolonged periods of sitting at a desk and working on a computer.
Must be able to lift up to 15 pounds at times.</div>

Credit Analyst I

Propel Consult

Job Title: Credit &amp; Risk Manager Department: Risk Management Department Location: Head Office - Kingdom of Bahrain Reporting to: Chief Executive Officer (CEO)Job PurposeTo lead and manage the company&rsquo;s enterprise risk and credit risk framework, ensuring prudent lending practices, portfolio quality, regulatory compliance, and alignment with the requirements of CBB. The role is responsible for safeguarding asset quality, optimizing risk-adjusted returns, and maintaining a strong risk culture across the company.Responsibilities<ul><li>Risk Management Framework</li></ul>&middot; Develop, implement, and maintain enterprise-wide risk management policies and frameworks.&middot; Identify, assess, monitor, and mitigate key risks including credit, liquidity, operational, compliance, and reputational risks.&middot; Maintain risk appetite statements and risk tolerance limits approved by the Board.&middot; Prepare periodic risk reports to Management and Board Committees.<ul><li>Credit Risk Management</li></ul>&middot; Oversee underwriting standards, credit approval processes, and lending controls.&middot; Review and approve credit proposals within delegated authority.&middot; Ensure sound borrower assessment, affordability checks, collateral coverage, and covenant monitoring.&middot; Monitor concentration risk, sector exposure, and large obligor limits.<ul><li>Portfolio Monitoring &amp; Collections Oversight</li></ul>&middot; Track portfolio performance including arrears, delinquency, NPLs, restructuring, and recoveries.&middot; Recommend corrective actions to improve collections and reduce defaults.&middot; Conduct stress testing and scenario analysis on loan portfolio.<ul><li>Regulatory Compliance &amp; Governance</li></ul>&middot; Ensure compliance with CBB rules, prudential requirements, and governance standards.&middot; Coordinate risk-related regulatory returns, ICAAP/Capital assessments, and audit responses.&middot; Liaise with Internal Audit, Compliance, and External Auditors.<ul><li>Strategic Support</li></ul>&middot; Provide independent risk opinions on new products, partnerships, and strategic initiatives.&middot; Support growth while maintaining acceptable risk-adjusted profitability.Requirements &middot; Bachelor&rsquo;s degree in Finance, Banking, Accounting, Risk Management, or related field.&middot; Master&rsquo;s degree / MBA preferred.&middot; Professional certifications desirable: FRM, PRM, CFA, ACCA, CPA.&middot; Minimum 7-10 years&rsquo; experience in risk management / credit risk within banks or financing companies.&middot; Strong knowledge of CBB regulations, especially Volume 5.&middot; Experience in SME, corporate, consumer, and secured lending preferred.Work Location: In person

Credit and Risk Manager

Wells Fargo

<div>About this role: 
 
Wells Fargo is seeking an Associate Customer Service Representative in Consumer Lending. Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it's buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending; Auto; Cards, Retail and Merchant Services; Personal Lending; Consumer Lending Control; and Consumer Lending Shared Services. Find out why we're the #1 financial services company to grow YOUR career. Apply today. 
 
In this role, you will:<ul><li>
Support customers and seek ways to improve inquiries or issues from customers with empathy regarding financial products and services through a variety of channels such as phone, text, chat, video chat and other lines of communication in a fast-paced, high-volume environment</li><li>
Perform routine tasks such as answering inquiries, resolving problems and providing a best-in-class customer experience while adhering to work guidelines, policies, and regulations and navigating multiple computer systems</li><li>
Regularly receive direction from supervisor and escalate questions and issues to more senior employees</li><li>
Interact with team on basic information, plus internal or external customers</li></ul>
Required Qualifications:<ul><li>
6+ months of Customer Service, Financial Services or Contact Center support experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education</li></ul>
Desired Qualifications:<ul><li>
Ability to provide strong customer service while listening, eliciting information efficiently, comprehending, and resolving customer issues.</li><li>
Ability to execute in a fast paced, high demand, metric driven call center environment.</li><li>
Excellent verbal, written, and interpersonal communication skills with integrity and a high level of professionalism with all levels of employees and customers, while maintaining attention to detail and accuracy.</li><li>
Military experience resolving complex issues via written or verbal communication, including but not limited to, supply action requests, updating personnel records, answering benefit or pay questions, resolving errors, researching questions and other needs as requested by customers.</li><li>
Ability to meet or exceed business goals and objectives and navigate multiple computer systems, applications, and utilize search tools to find information.</li><li>
Knowledge, understanding and experience of internet, mobile, and social media technology.</li></ul>
Job Expectations:<ul><li>
Must be able to attend full duration of required classroom training period</li><li>
Ability to work additional hours as needed</li><li>
Must work on-site at the location posted</li><li>
This position is not eligible for Visa sponsorship</li></ul>
Training Schedule:<ul><li>
Classroom training will be for 8 weeks, Monday - Friday, 8:00 am - 4:30 pm. Work schedule after classroom training will be provided prior to start date.</li><li>
We're open 24 hours, 7 days a week.
</li><li>Your regular work schedule will be based on business need and will include working a weekend day and some holidays.</li></ul>
Job Location:<ul><li>
4101 Wiseman Blvd., Building 205, San Antonio, TX 78251</li></ul>
Posting End Date:
 
17 Apr 2026 
*Job posting may come down early due to volume of applicants.
 
 
We Value Equal Opportunity 
 
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. 
 
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. 
 
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. 
 
Applicants with Disabilities 
 
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo . 
 
Drug and Alcohol Policy 
 
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. 
 
Wells Fargo Recruitment and Hiring Requirements: 
 
a. Third-Party recordings are prohibited unless authorized by Wells Fargo. 
 
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.</div>

Associate Customer Service Representative - Credit Cards

<div>Work Location:
Providence, Rhode Island, United States of America
Hours:
40
Pay Details:
$16.00 - $16.00 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:
Personal &amp; Commercial Banking
Job Description:
The Mortgage Loan Officer sells and originates residential mortgage loans to sales goals. The Mortgage Loan Officer takes residential mortgage loan applications and offers or negotiates terms of residential mortgage loans. Pay Range- $11.54 per hour depending on established local minimum wage plus commission.
Depth &amp; Scope:
<ul><li>Meets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources
</li><li>Explains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs
</li><li>Guides Customers through the mortgage application process
</li><li>Explains information required and other aspects of the loan process to Customers
</li><li>Ensures applications are completed accurately and contain required information and supporting documentation
</li><li>Manages Customers expectations regarding processing times and closing dates
</li><li>Sells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines
</li><li>Generates referrals for mortgage sales opportunities and sales of other Company business line products
</li><li>Develops plan to achieve sales goals with assistance from sales management
</li><li>Enters information into mortgage loan system so that loans will appear accurately in the pipeline
</li><li>Creates supporting files with backup and explanatory documentation and information for underwriting, regulatory and other purposes
</li><li>Sends application and other required information to underwriting area
</li><li>Underwrites loans using point-of-sale underwriting systems within scope of authority
</li><li>Communicates loan decisions directly to Customers and explains any additional information needed
</li><li>Submits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closing
</li><li>Communicates regularly with Customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned
</li><li>Attends closings as needed
</li><li>Develops knowledge of current industry practices and trends by learning from more experienced sales personnel and by attending continuing education training and seminars, including but not limited to the full array of Company products and services as well as mortgage laws and regulations
</li><li>Develops knowledge of policies, procedures, rules and regulations related to retail mortgage products
</li><li>Participates in homebuyers' seminars, home shows, brokers' meetings and other home financing workshops
</li><li>Recommends changes to products, programs and/or pricing
</li><li>Ensures TD Bank maintains successful audits and exams within all areas
</li>Deals with complex mortgage needs 
<li>
</li></ul> 
Education &amp; Experience:
<ul><li>Bachelors degree or progressive work experience in addition to experience below
</li><li>2+ Years of mortgage origination experience
</li><li>Proven Sales ability
</li><li>Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines
</li><li>Maintains the highest level of sales ability and negotiation skills
</li><li>Self-directed, ability to plan own activities to achieve sales goals
</li><li>Strong time management skills
</li><li>Excellent communication skills, both verbal and written
</li>PC skills, including ability to learn mortgage origination and automated underwriting systems 
<li>
</li></ul> 
OCC Language:
<ul><li>This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. &sect;&sect; 5102 et seq., and its implementing regulations, 12 CFR Part 1007
</li><li>Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36
</li><li>Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. &sect;&sect; 5102 et seq., and its implementing regulations, 12 CFR Part 1007
</li>Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this position 
<li>
</li></ul> 
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
<ul><li>Domestic Travel &ndash; Occasional
</li><li>International Travel &ndash; Never
</li><li>Performing sedentary work &ndash; Continuous
</li><li>Performing multiple tasks &ndash; Continuous
</li><li>Operating standard office equipment - Continuous
</li><li>Responding quickly to sounds &ndash; Occasional
</li><li>Sitting &ndash; Continuous
</li><li>Standing &ndash; Occasional
</li><li>Walking &ndash; Occasional
</li><li>Moving safely in confined spaces &ndash; Occasional
</li><li>Lifting/Carrying (under 25 lbs.) &ndash; Occasional
</li><li>Lifting/Carrying (over 25 lbs.) &ndash; Never
</li><li>Squatting &ndash; Occasional
</li><li>Bending &ndash; Occasional
</li><li>Kneeling &ndash; Never
</li><li>Crawling &ndash; Never
</li><li>Climbing &ndash; Never
</li><li>Reaching overhead &ndash; Never
</li><li>Reaching forward &ndash; Occasional
</li><li>Pushing &ndash; Never
</li><li>Pulling &ndash; Never
</li><li>Twisting &ndash; Never
</li><li>Concentrating for long periods of time &ndash; Continuous
</li><li>Applying common sense to deal with problems involving standardized situations &ndash; Continuous
</li><li>Reading, writing and comprehending instructions &ndash; Continuous
</li><li>Adding, subtracting, multiplying and dividing &ndash; Continuous
</li></ul>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities &amp; duties are considered essential functions for ADA purposes.
Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package 
 
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more
Additional Information:
 
We&rsquo;re delighted that you&rsquo;re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we&rsquo;re committed to providing the support our colleagues need to thrive both at work and at home.
 
 
Colleague Development
If you&rsquo;re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You&rsquo;ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. 
If you&rsquo;re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training &amp; Onboarding
 
We will provide training and onboarding sessions to ensure that you&rsquo;ve got everything you need to succeed in your new role.
 
 
Interview Process
 
We&rsquo;ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.</div>

Mortgage Loan Officer- Providence RI

Adventure Credit Union

<div>Description:

Adventure Credit Union has been providing financial services to their members for over 90 years and are continuing to grow to meet their members changing needs. As one of the Best &amp; Brightest Companies To Work For In The Nation, we strive to recruit and retain ambitious and talented individuals by continuous development, support, and appreciation. We currently are looking to add a full time Virtual Solutions Associate to our Adventure Team!
The primary purpose of this position is to support our members&rsquo; virtual engagement with the credit union. The Virtual Solutions Associate will process new account and loan applications initiated online, over the phone and through text. This position will work in conjunction with our branch teams to provide an essential digital origination channel to our membership. In addition, our Virtual Solutions Associate will assist our membership with a variety of member service functions including but not limited to: fraud prevention and processing, debit cards, check orders, stop payments, statement review, account take overs as well as account number changes. Positively supports Adventure Credit Union&rsquo;s brand and promotes a service culture consistent with the credit unions&rsquo; mission, vision, core beliefs and goal of being a Trusted Financial Guide.
Responsibilities include, but not limited to:<ul><li>
Work to create a flawless member experience with members of your direct team, putting the member first and foremost with everything that is done. Manage communication and member relationships professionally. Identify member needs and opportunities through conversations.</li><li>
Processes loan application requests via phone, text, online, and through video. Provides a complete and executable application to Central Lending for underwriting decision. Provides recommendations for approval, denial or counter-offer. Processes loan paperwork and closings through electronic means when possible or arranges for in-person closings with our branch teams.</li><li>
Processes requests for new accounts via phone, text, online, and through video. Effectively completes necessary training to approve and make decisions on new checking accounts and other member service products. Follows all guidelines for mitigating fraud risk through online channels.</li><li>
Reviews loan and membership applications for identity theft and inaccurate information. Follows guidelines in place for fraudulent applications.</li><li>
Monitor member interactions for account takeover and ensure potential high risk requests are reviewed and additional verifications are completed.</li><li>
Provides technical support to members and co-workers for online banking, mobile banking, bill pay, remote deposit capture, etc.</li><li>
Continuously and effectively sells and cross-sells all products and/or services, answers member inquiries and educates members. Ensures that cross-sell opportunities are maximized and sales goals are met continuously by matching member needs to product benefits.</li><li>
Educates and assists members with current rates, payment calculations, blue book values, and loan options for consumer and home equity loans. Contributes to the growth of our loan portfolio through conversations with current and potential members while assisting them on their financial journey. Assists with loan payoffs and additional lending services offered by the credit union.</li><li>
Interviews credit applicants, evaluates credit scoring and sends recommendations on loans within the lending guidelines established by the Board of Directors. Works with Central Lending to ensure a good understanding of documentation required on consumer loans, home equities, VISAs and lines of credit. Discusses loan approvals, denials, counter-offers and alternatives with members in a positive manner.</li><li>
Accurately prepares all loan documentation prior to closing, inputs on system.</li><li>
Verifies and documents all collateral offered as security.</li><li>
Answers questions/requests, interviews, processes, prepares documents, disburses and closes loans, VISAs and lines of credit. Prepares, sends and processes notifications to members.</li><li>
Individually adhere to federal laws and regulations set forth by the NCUA and other regulatory agencies including but not limited to: Bank Secrecy Act, OFAC, US Patriot Act, Reg. E, Reg. CC., etc.</li><li>
Maintains the highest level of confidentiality to ensure all member information is protected and secure.</li><li>
Follows established credit union policies and procedures.</li><li>
Perform courtesy contact to all new members, welcoming them to the credit union. Walk members through setup of online and mobile banking.</li><li>
Responsible for maintaining an effective working knowledge of all credit union products, services and regulations.</li><li>
Perform all member service duties including but not limited to: verifying identity, placing new check orders, and ordering copies of canceled checks. Opening and educating members about various accounts and certificates. Reprinting and reconciling statements, approving checking accounts, as well as approving and creating ATM/Debit Cards according to policy.</li></ul>
Requirements:

Requirements:<ul><li>
A High School Diploma or equivalent.</li><li>
A minimum of two (2) year experience in the financial industry.</li><li>
A minimum of one (1) year lending experience.</li><li>
Customer Service experience.</li><li>
Strong sales skills.</li><li>
Must obtain, maintain and disclose an NMLS registry ID number in accordance with the SAFE Act.</li><li>
Must obtain and maintain Notary Public including e-Notary.</li></ul></div>

Virtual Solutions Associate

AnnieMac Home Mortgage

<div>AnnieMac Home Mortgage is looking to hire Full Time External Mortgage Loan Originators to establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources. Candidates should have experience directly related to the Mortgage Industry. Under the direct supervision of the Branch Manager, the job responsibilities of the External Mortgage Loan Originator position include, but are not limited to, the following:<ul><li>
Primary duty is to sell mortgage loans to customers away from and outside of AnnieMac Home Mortgages places of business. Work done at AnnieMac Home Mortgages offices is related and supplemental to outside sales.</li><li>
Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.</li><li>
Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.</li><li>
Take information from the borrower and fill out the loan application.</li><li>
Develop relationships with referral partners such as realtors to generate new customers.</li><li>
Analyze the prospective borrowers income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.</li><li>
Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.</li><li>
Collect financial information (tax returns, bank statements) and other related documents that are part of the application process;</li><li>
Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.</li><li>
Counsel and advise the borrower in understanding and clearing credit problems.</li><li>
Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.</li><li>
Order legal documents.</li><li>
Review HUDS prior to closing.</li></ul><ul><li>
Must have appropriate state license or certificate (varies by state).</li><li>
Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.</li><li>
Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.</li><li>
Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.)</li><li>
Must have excellent communication skills and the ability to analyze financial information.</li><li>
Must be a sales-oriented self-starter.</li></ul>
Work Environment/Physical Demands: Travel is required 80% of the time.
AnnieMac Home Mortgage offers a wide range of benefits, including medical, dental and vision plans, along with voluntary benefits, including 401K.
***AnnieMac Home Mortgage is an Equal Opportunity Employer***
***AnnieMac Home Mortgage participates in E-Verify.***</div>

Outside Loan Originator

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