licensed loan officer

Banner Bank

<div><div>More than 135 years ago, we started with core values that never go out of style: listen, learn and help businesses and individuals reach their goals. These core values shape our culture, and we were recently <b>Great Place to Work Certified</b> because of our outstanding workplace culture and employee experience. As well, our financial strength and stability are key reasons Forbes named us one of the <b>Best 100 Banks in America</b> for the ninth consecutive year.<br>
</div><div></div><br>
<div>With more than $16 billion in assets and 135 branch locations throughout Washington, Oregon, Idaho, and California, we understand our role in the economy and take that responsibility seriously. In addition to offering a source of capital to personal banking clients and businesses of all sizes, we place a high importance on employee volunteerism and donate millions of dollars each year to community organizations.</div><div></div><div><br>
As a Loan Officer Assistant, you play a critical role in helping borrowers move confidently through the mortgage process. You&rsquo;ll partner closely with a high-producing Loan Officer and a wide network of partners to keep loan files organized, compliant, and moving forward on time. This role is perfect for someone who enjoys fast-paced work, building relationships, and being a key contributor to successful loan closings.</div>
<h3 class="jobSectionHeader"><b>In this role you'll:</b></h3><ul>
<li><div>Facilitate clear and timely communication between the Loan Officer, borrowers, real estate agents, branch staff, insurance providers, closing agents, and outside vendors.</div>
</li><li><div>Manage loan pipelines, schedules, and critical deadlines to keep files progressing smoothly.</div>
</li><li><div>Run pipeline and closed-loan summary reports to support production tracking and performance.</div>
</li><li><div>Support mailings and marketing initiatives to help grow and maintain business relationships.</div>
</li><li><div>Follow up with borrowers to obtain missing documentation and required information.</div>
</li><li><div>Enter, maintain, and update loan application and client data within processing systems.</div>
</li><li><div>Pull credit reports at the direction of the Loan Officer and ensure proper handling of sensitive data.</div>
</li><li><div>Maintain working knowledge of loan programs, guidelines, and technology platforms.</div>
</li><li><div>Perform a variety of administrative and clerical duties to support daily loan operations.</div>
</li><li><div>Ensure full compliance with company policies, security standards, and government regulations.</div>
</li></ul><h3 class="jobSectionHeader"><b>What we're looking for</b></h3><ul>
<li>You have a High School Diploma or equivalent</li>
<li><div>You bring 4 or more years of experience in residential mortgage loan processing and/or underwriting, including conventional and government loans for both purchase and refinance transactions</div>
</li><li><div>An equivalent combination of education and experience can be considered in lieu of a degree</div>
</li></ul><h3 class="jobSectionHeader"><b>What helps you shine</b></h3><ul>
<li><div>You have a proven track record of supporting consistent loan closings and funding in high-volume environments.</div>
</li><li><div>You understand mortgage origination processes, underwriting standards, and FNMA, FHLMC, and government guidelines.</div>
</li><li><div>You communicate clearly and professionally, both verbally and in writing, while delivering exceptional customer service.</div>
</li><li><div>You thrive in fast-paced, deadline-driven settings and can juggle multiple priorities with accuracy.</div>
</li><li><div>You can analyze borrower credit, income documentation, and complex loan structures to support productivity and volume.</div>
</li><li><div>You are comfortable using MS Word, Excel, Outlook, and automated underwriting systems.</div>
</li><li><div>You bring strong analytical skills and a working knowledge of federal and state real estate lending regulations.</div>
</li></ul><h3 class="jobSectionHeader"><b>Travel</b></h3><ul>
<li>Up to 20%</li>
</ul><h3 class="jobSectionHeader"><b>Our Company Values</b></h3><div>
<div>Do the right thing</div>
<div>Teamwork</div>
<div>Trust</div>
<div>Accountability</div>
</div><h3 class="jobSectionHeader"><b>What Our Team Says</b></h3><div>
<div>&quot;I have the opportunity to learn and grow every day in my current role. I love the work life balance, knowing that we work hard, and strive for high performance but we are celebrated.&quot; &ndash; Glassdoor review</div>
</div><h3 class="jobSectionHeader"><b>Compensation &amp; Benefits</b></h3><div>
<ul><li>Targeted starting hourly range (based on experience): $20.00-$27.00</li>
<li>Incentive potential</li>
<li>Comprehensive employee benefits, including: medical, dental, vision, LTD, STD and life</li>
<li>Paid vacation time, sick time and 11 company paid holidays</li>
<li>401k (with up to 4% match)</li>
<li>Tuition reimbursement</li>
</ul></div><div>Review <b>Banner's employee benefits</b> at: Employee Benefits \u007C Banner Bank</div><div></div><div><br>
Please take time to review<b> </b><b>Banner Bank's Consent &amp; Privacy notice</b> before applying.</div><div></div><div><br>
Banner Bank is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.</div><div></div><div><b><br>
Banner Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings</b>. Resumes submitted to any Banner Bank employee by a third-party agency and/or search firm without a valid written and signed search agreement, will become the sole property of Banner Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.</div></div>

Mortgage Loan Officer Assistant (Remote - WA, ID, OR, CA)

United Community Bank

<div>Overview:
<div>
Assist with consumer and commercial loans in compliance with financial institution policies and procedures<b>. </b>Input and update loan data into financial institution computer system; assemble and verify loan documents for accuracy.</div>
What You&rsquo;ll Do:
<ul><li>Provide administrative assistance to the loan officer and staff, including updating loan data or inputting loans into the system as needed, and assembling of loan documentation</li><li>
Ensure loan files contain documents with proper signature, dates, and other relevant data</li><li>
Assemble and verify accuracy of loan documentation</li><li>
Check documents for proper vesting, legal descriptions, closing dates, and signatures</li><li>
Perform variety of clerical duties requiring knowledge of departmental procedures and use office computers for data input and other activities
</li><li>Order credit reports</li><li>
Answer customer inquiries
</li><li>Be familiar with bank products and services and look for opportunities to develop new customer relationships and strengthen existing customer relationships using United&rsquo;s need-based sales approach
</li><li>Work loan exceptions</li><li>
Obtain and work insurance list</li><li>
Create and/or verify wire transfers</li><li>
Assist other departments on a temporary basis as needed during peak hours</li></ul>
Requirements For Success:
<ul><li>High School diploma or equivalent
</li><li>Minimum of 1 year experience in a financial organization preferred</li><li>
Experience in commercial and consumer lending preferred</li><li>
Successful completion of in-house training program or approved external training program</li><li>
Good interpersonal communication and organizational skills</li><li>
Proficient keyboarding skills</li><li>
Proficient in Microsoft office programs</li><li>
Good understanding of financial institution products and services and procedures pertaining to loan operations and compliance</li><li>
Attention to detail</li><li>
Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
</li></ul>Conditions of Employment:
<ul><li>Must be able to pass a criminal background &amp; credit check</li><li>
This is a full-time, non-remote position</li></ul><p><b><br>
FLSA Status: </b>Non - Exempt</p><p></p><p><b><br>
Ready to take your career to the next level? Apply now and become a vital part of our team!</b></p><p></p><p><br>
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.</p><p></p><p><br>
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</p>
Pay Range: USD $18.00 - USD $23.03 /Hr.</div>

Loan Officer Assistant

Southwest Initiative Foundation

<div><p><b>POSITION:</b> Commercial Loan Officer</p><p></p><p><b><br>
POSITION SUMMARY:</b></p>
<p>
This position is responsible for originating, underwriting, and managing commercial loans and business financing programs. The role engages prospects, applicants, and partners; structures and negotiates financing solutions; and oversees loan closing, servicing, and portfolio management. This position also ensures compliance and reporting for multiple state and federal programs, while providing technical assistance to support borrower success and program effectiveness.</p><p></p><p><b><br>
ESSENTIAL FUNCTIONS:</b></p><br>
<p></p>
<ul>
<li>Conduct comprehensive credit analysis using independent judgment and discretion for a multiple business finance programs, including United States Small Business Administration (SBA) Microloan Program, United States Department of Agriculture (USDA) Rural Microentrepreneur Assistance Program, Southwest Minnesota Community Capital (SMCC), Minnesota Emerging Entrepreneur Loan Program and other Minnesota Department of Employment and Economic Development (DEED) programs, and other special business financing initiatives. Review of business plans; historical and projected business cash flow statements, profit and loss statements, and balance sheets; credit bureau reports; business and personal income tax returns; personal financial statements; business and personal collateral/security; organizational/governance documents; audits, contracts, and other due diligence information to complete an accurate financial analysis for each applicant. Review business projections and assumptions for reasonableness to complete the financial analysis and underwriting process.</li></ul><br>
<p></p>
<ul>
<li>Provide pre-loan technical assistance to borrowers by assisting prospects and applicants with business planning, loan application preparation, and related processes for application submission and efficient business operations.</li></ul><br>
<p></p>
<ul>
<li>Prepare financing recommendations and coordinate applicable internal approval processes including loan committee meetings, President approvals, and Board ratifications/approvals, using independent judgment and discretion.
<br>
Communicate credit decisions to applicants and project partners. Negotiate terms and conditions as warranted.</li></ul><br>
<p></p>
<ul>
<li>Prepare loan closing documents, internal loan files, intercreditor agreements, and other documents in compliance with applicable government regulations and Foundation policies and procedures. Execute filings and registrations to ensure that security interests are perfected, including UCC filings, mortgages, and other pledges of business or personal assets.</li></ul><br>
<p></p>
<ul>
<li>Provide portfolio management throughout the term of the loan including insurance, forbearance requests, payoff management, restructuring requests and complex payment issues, substitutions or releases of collateral, collections, and other elements of a mission-based commercial loan portfolio.</li></ul><br>
<p></p>
<ul>
<li>Ensure that all loans are made in adherence with federal, state, Foundation, and other funder policies, procedures, guidelines, and applicable laws.
<br>
Enforce adherence to requirements and advise management on needed actions. Maintain up-to-date knowledge of SBA, USDA, and DEED products, rules and regulations, and applicable laws and policies. Assist in preparing reports, budgets, expenditure analysis, funding requests, and all other steps needed for compliance with funding from SBA, USDA, DEED, the Community Development Financial Institutions (CDFI) Fund, and any other program funders as applicable.</li></ul><br>
<p></p>
<ul>
<li>In collaboration with the Entrepreneurship Program Manager, provide direct technical assistance to borrowers including, but not limited to, accounting and financial management, sales and marketing, operations, governance, and general business management. Perform borrower site visits and review routine financial statements and income tax returns submitted by borrowers.</li></ul><br>
<p></p>
<ul>
<li>Manage the budgeting and payment processes including engagement with accounting staff, management of incoming invoices, and related steps to align with internal policy and procedure, external regulation from funders, and other internal or external guidelines and requirements.</li>
<li>Support the certification, launch, and implementation of the Southwest Minnesota Community Capital emerging CDFI including, but not limited to: research, resource procurement, due diligence, strategy, budgeting and sustainability assessment, organizational design, donor and funder relations, compliance, reporting, and brand promotion.</li></ul><br>
<p></p>
<p><b>
OTHER FUNCTIONS:</b></p>
<ul>
<li>Participate in internal staff functions, team meetings and events.</li>
</ul><ul><li>Perform other duties as assigned.</li>
</ul><ul><li>Data Management and Integrity: Perform established processes and procedures to maintain the accuracy, completeness, and security of the organization&rsquo;s data within your area of responsibility. Ensure data is entered, updated, and managed following organizational standards and best practices. Regularly review and verify data to identify and correct errors or inconsistencies and collaborate with team members to improve data management practices.</li>
</ul>
<p><b>KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:</b></p><br>
<p></p>
<ul>
<li>Demonstrated ability to act independently, apply discretion and confidentiality, think critically and analytically, negotiate, and persuade; demonstrates strong situational awareness and self-awareness to act empathetically in difficult and complex situations.</li></ul><br>
<p></p>
<ul>
<li>Knowledge of managing government funding programs, including compliance and reporting requirements.</li><br>
</ul>
<p></p><ul><li>Strong written and verbal communication skills, along with program management, and stakeholder relationship management skills.</li><br>
</ul>
<p></p><ul><li>Proficient in Microsoft Outlook, Excel, and Word, and database management; proficiency in bookkeeping software.</li><br>
</ul>
<p></p><ul><li>Strong understanding of economic development, credit analysis and commercial finance, business operations and management, business technical assistance including operations and financial management, fundamentals of entrepreneurship, and available resources for small businesses.</li></ul><br>
<p></p>
<ul>
<li>Knowledge and understanding of the southwest Minnesota economy including the network of key stakeholders regionally, statewide, and nationally.</li><br>
</ul>
<p></p><ul><li>Ability to work collaboratively as part of a team in a fast-paced environment and effectively manage multiple demands and deadlines.</li></ul><br>
<p></p>
<p><b>
CORE COMPETENCIES:</b></p>
<p>
Manages Complexity, Values Differences, Cultivates Innovation, Nimble Learning, Resourcefulness, Demonstrates Self Awareness, Strategic Mindset, Communicates Effectively, Collaborates, Optimizes Work Processes, Financial Acumen, Business Insight.</p><br>
<p></p>
<p><b>
CORE VALUES:</b></p>
<p>
Southwest Initiative Foundation employees are expected to demonstrate these core values: Optimism, Belonging, Integrity, Innovation, and Collaboration.</p><p></p><p><b><br>
MINIMUM QUALIFICATIONS:</b></p>
<p>
Associate&rsquo;s degree in accounting, business administration, finance, or a related field, or equivalent combination of education and relevant work experience. Minimum of three years of experience in commercial business finance. Minimum of three years of experience working directly with entrepreneurs and small business owners, including experience with economic development programs or organizations. This position requires significant regional travel (estimated 2&ndash;3 days per week), as well as occasional state or national travel. Must provide personal transportation to travel as needed.</p><br>
<p></p>
<p><b>
PREFERRED QUALIFICATIONS:</b></p>
<p>
Five or more years of experience in commercial business finance. Additional experience working directly with entrepreneurs and small business owners, particularly within community development or mission-based lending programs.</p><br>
<p></p>
<p><b>
STATUS: </b>Full Time, Exempt<br>
 <b>REPORTS TO: </b>President</p><p></p><p><b><br>
NUMBER OF DIRECT REPORTS:</b> None</p><p></p><p><b><br>
OFFICE LOCATION: </b>Hutchinson-based with flexible work option</p>
<p>
Remote Work Option</p>
<p>
As part of our commitment to equitable practices, we want to ensure employees have access to resources and accommodation that empower us to thrive. We believe that both employees and the organization can benefit from flexible work arrangements. Remote work options apply to full-time and part-time employees regardless of tenure. Given the nature of some job functions, SWIF remote work arrangements may not apply to all employees. Each employee&rsquo;s remote work arrangement should maximize individual, team, and organizational well-being, and will be co-created in collaboration with their supervisor</p></div>

Commercial Loan Officer

<div><p><b>Work Location:
</b></p>Providence, Rhode Island, United States of America
<p></p><p><b>Hours:
</b></p>40
<p></p><p><b>Pay Details:
</b></p>$16.00 - $16.00 USD
<p></p><p>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.
</p><p></p><p>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.
</p><p></p><p><b>Line of Business:
</b></p>Personal &amp; Commercial Banking
<p><b>Job Description:
</b></p><p>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.
</p><p></p><p><b>Depth &amp; Scope:
</b></p><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<br>
<li>
</li></ul><p><br>
<b>Education &amp; Experience:
</b></p><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<br>
<li>
</li></ul><p><br>
<b>OCC Language:
</b></p><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<br>
<li>
</li></ul><p><br>
<b>Physical Requirements:
</b></p><p>Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
</p><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><p></p><p>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.
</p><p></p><p><b>Who We Are:
</b></p><p>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.
</p><p></p><p><b>Our Total Rewards Package<br>
</b></p><p><br>
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
</p><p></p><p><b>Additional Information:
</b><br>
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.
<br>
<br>
<b>Colleague Development
</b></p><p>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.<br>
</p><p></p><p>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.
</p><p></p><p>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.
</p><p></p><p><b>Training &amp; Onboarding
</b><br>
We will provide training and onboarding sessions to ensure that you&rsquo;ve got everything you need to succeed in your new role.
<br>
<br>
<b>Interview Process
</b><br>
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.
</p><p></p><p><b>Accommodation
</b></p><p>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.
</p><p></p><p>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.</p></div>

Mortgage Loan Officer- Providence RI

SOUTHERN SECURITY FEDERAL CREDIT UNION

<div>Description:
<p><b>
POSITION PURPOSE</b></p><p>
Responsible for receiving, reviewing, and processing applications for consumer loans, home improvement, second mortgage, home equity, credit card, and overdraft account loans. Meets with applicants to explain credit policies and to obtain additional loan information and documentation. Assembles and evaluates loan applications. Presents loan requests above the lending limit for approval per loan. Ensures that members and prospective members are promptly and professionally served. Provides general Credit Union information and cross -sells services.</p><p><b>
ESSENTIAL FUNCTIONS AND BASIC DUTIES</b></p><ul><li>
Assumes responsibility for effectively receiving, reviewing, and processing loan applications.</li><li>
Interviews, takes applications, gathers information, and processes preliminary documentation on loan requests.</li><li>
Evaluates and verifies loan applications and credit criteria. Computes debt ratios. Verifies employment and income. Determines the value of collateral. Approves loans within the limits of authority and notifies applicants of loan decisions. Requests additional information if required.</li><li>
Coordinates and processes closings. Ensures that each loan is promptly and properly prepared, documented, processed, approved, and disbursed.</li><li>
Calculates terms, finance charges, and insurance on loans for proper disclosure on promissory notes.</li><li>
Assists in servicing loans by processing such items as payoff, refinances, problem loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.</li><li>
Assumes responsibility for filing vehicle titles and prompt follow-up on titles still pending. Verifies car insurance coverage. Makes car appraisals.</li><li>
Sells credit union products and services.</li><li>
Performs duties of area personnel, as required.</li><li>
Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensures that loan requests are properly documented.</li><li>
Assumes responsibility for establishing and maintaining effective and professional business relationships with members.</li><li>
Resolves members' requests and questions promptly and courteously. Provides blue book values and answers questions regarding government loans and real estate policies.</li><li>
Keeps members properly informed of Credit Union loan policies and services.</li><li>
Ensures that the Credit Union's quality and professional reputation is projected and maintained. Upholds the SSFCU Service Values.</li><li>
Counsels members regarding money management and financial matters.</li><li>
Assumes responsibility for establishing and maintaining effective coordination and communication with area personnel and with management.</li><li>
Assists area personnel as needed. Assists other Loan Officers.</li><li>
Completes reports and records promptly and accurately. Type loans and all supporting documents as required. Ensures appropriate credit union documents are scanned.</li><li>
Attends meetings as required.</li><li>
Keeps Management informed of area activities and of any significant problems.</li><li>
Assumes responsibility for related duties as required or assigned.</li><li>
Actively and professionally cross-sells Credit Union services.</li><li>
Stays informed regarding local and national economic conditions and legal and regulatory changes.</li><li>
Ensures proper maintenance, cleanliness, and security of work area, desks, equipment, etc.</li></ul>
Requirements:
<p><b>
EDUCATION/CERTIFICATION:</b> High school graduate or equivalent. Some college preferred.</p><p><b>
EXPERIENCE PREFERRED: </b>Minimum of 12 months previous teller experience or similar. Knowledge of basic financial institution</p><p>
regulations.</p><p><b>
SKILLS/ABILITIES: </b>Excellent communication skills, verbal and written.</p><p>
Service-oriented, including ability to assist others with a positive attitude.</p><p>
Able to analyze accounts, possessing solid math skills.</p><p>
Focused and attentive to detail.</p><p>
Utilizes confident decision-making skills.</p><p>
Well-organized.</p><p>
Possesses strong business acumen and professionalism.</p><p>
Able to use computer and all related business equipment.</p></div>

Consumer Loan Officer

AnnieMac Home Mortgage

<div><p>AnnieMac Home Mortgage is looking to hire Full Time <b><i>External Mortgage Loan Originators</i></b> 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 <b><i>External Mortgage Loan Originator </i></b>position include, but are not limited to, the following:</p><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><p><b>
Work Environment/Physical Demands:</b> Travel is required 80% of the time.</p><p>
AnnieMac Home Mortgage offers a wide range of benefits, including medical, dental and vision plans, along with voluntary benefits, including 401K.</p><p><b><i>
***AnnieMac Home Mortgage is an Equal Opportunity Employer</i></b><b>***</b></p><p><b><i>
***AnnieMac Home Mortgage participates in E-Verify.***</i></b></p></div>

Outside Loan Originator

Cardinal Financial Company Limited Partnership

<div>Description:
<p><b>
Who We Are:</b></p><p>
Cardinal Financial is a nationwide direct mortgage lender that focuses on creating solutions for our borrowers, partners, and employees&mdash;to provide the very best experience. We are genuine and hard-working individuals who are not scared to improve and intentionally push beyond what is considered &ldquo;good enough&rdquo;</p><p>
Looking to join a growing company that values its people, innovates, and expands on its proprietary technology? Apply below!</p><p><b>
Who We Need:</b></p><p>
The Loan Originator Assistant (LOA) works alongside a designated Loan Originator or Production Team in a sales environment to provide support to Customers, Loan Originators, Production Leaders, and Operations partners. This position is responsible for providing mortgage assistance such as out-bound calls to clients, income calculation, and other miscellaneous administrative deadline-based tasks. The LOA assists Mortgage Loan Originators with managing their pipelines while providing superior customer service by maintaining consistent communication with clients and assisting them through specific workflows.</p><p><b>
What You Will Do:</b></p><ul><li>
 Reviews loan application, supporting documentation, and credit authorization.</li><li>
 Keeps current understanding of all loan program guidelines, pricing, policies and procedures.</li><li>
 Documents all client conversations in loan origination software with timely follow up in CRM.</li><li>
 Provides daily/weekly status of files in progress to Loan Originator/Production Team or Leadership as well as the Client.</li><li>
 Communicates status updates and appropriately escalate issues and opportunities to meet the needs of clients and homeowners.</li><li>
 Assists clients with the utilization of the Origination system (Octane).</li><li>
 Collect and submit/file vendor validations from borrowers.</li><li>
 Maintains a positive working relationship with internal departments and external contacts.</li><li>
 Processes borrower documents in an accurate and timely manner following proper internal protocol and procedures.</li><li>
 Performs specific tasks assigned by Loan Originator or Production Leader.</li><li>
 Communicates and partners closely with Operations to ensure a smooth and accurate loan process.</li><li>
 Schedules new leads and appointments and calls with clients as needed.</li><li>
 Responds to client&rsquo;s questions and concerns in a timely manner in accordance with team/department SLA expectations.</li><li>
 Performs a variety of research and administrative duties in support of the Loan Originator/Production Team.</li><li>
 Ensures loan Turn Time requirements are achieved.</li></ul>
Requirements:
<p><b>
What You Need:</b></p><ul><li>
 High school diploma or GED is required.</li><li>
 1-3 Years experience in Customer Service/Customer-Facing role is preferred.</li><li>
 0-2 Years experience working within the Mortgage Industry is preferred.</li><li>
 Basic understanding of financial documents i.e. assets, income, and credit is preferred.</li><li>
 Ability to effectively manage multiple demands and competing priorities.</li><li>
 Ability to adapt well to change, take direction, and comprehend training.</li><li>
 Fast-paced individual with exceptional analytical and computer skills.</li><li>
 Demonstrated ability to thrive in a multi-faceted, fast paced, ever changing environment.</li><li>
 Detail oriented with excellent verbal and written communication skills.</li><li>
 Demonstrated organizational skills.</li><li>
 Ability to work closely within a team structure.</li><li>
 Working knowledge of Microsoft Suite, specifically Word and Excel.</li><li>
 Working knowledge of Encompass software system a plus.</li><li>
 Ability to execute and interpret AUS, evaluate findings, and work accordingly.</li></ul><p><b>
What We Offer:</b></p><ul><li>
Strength, Stability, and Vision</li><li>
Great compensation package</li><li>
Opportunity for career growth</li><li>
A commitment to be a relevant market leader - we are aiming for the top!</li><li>
Octane, our engineered proprietary technology that is transforming the mortgage industry</li><li>
An empowered culture where your ideas are important and your voice matters</li><li>
Full Benefits, beginning the first day of the month following your start date, including &ndash; Medical, Dental, Vision, Life, Disability Insurance, and much more</li><li>
Generous paid time off package that also includes all major holidays</li><li>
401K w/ 50% match up to a maximum employee contribution of 5%- Beginning the 1st of the month following 30-days of employment</li></ul><p>
 <i>Cardinal Financial is an Equal Opportunity Employer. We respect and aim to empower individuals and support the diverse cultures, perspectives, skills, and experiences within our workforce. California residents click here to review </i>Cardinal's California Employee Privacy Policy &amp; Notice at Collection. <i>. The expected base salary for this position ranges from thirty three thousand dollars to fifty two thousand dollars, determined based on the applicant's experience, skillset, education, training, certificates, and licenses.</i></p></div>

Loan Originator Assistant | Consumer Direct - Remote

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