Job Description

Are you a skilled mortgage closer with a strong customer service approach? If so, we are looking for you to join our well-established lending team. We are seeking an experienced mortgage closer to help us process the closing efficiently. Job seekers should have strong communication skills and an understanding of state and federal regulations. If this sounds like a fit and you are ready to take the next step towards your career goals, apply now! Responsibilities:

• Assure all information is correct and signed accurately in the closing documentation, third party orders, closing packages, and loan files
• Review all closing conditions are satisfied and executed according to closing instructions
• Ensure loan closing is progressing while working in tandem with the loan processor and loan officer or funder, from origination to close
• Affirm loan compliance with all investor product and program guidelines and policies, as well as state and federal regulations
• Prepare and execute the transfer of lender funds for disbursement
• Interactuar de forma proactiva con clientes potenciales generados por los pilares de generación de clientes de EmpowerHome, presentando el valor de trabajar con EmpowerHome Mortgage junto con EmpowerHome Teams, y programando citas para completar y/o revisar aplicaciones de préstamos.
• Mantener disponibilidad precisa en el calendario, bloqueando horarios cuando no esté disponible para citas programadas por el Departamento de Ventas Internas de EmpowerHome.
• Completar aplicaciones de préstamos por teléfono, correo o en persona con los clientes, y aprobar las divulgaciones de préstamos para su distribución. Todos los campos requeridos en la aplicación deben completarse, incluyendo información de terceros antes de la aprobación.
• Determinar el programa de préstamos adecuado (p. ej. FHA, VA, Convencional, USDA, etc.).
• Fijar precios y bloquear tasas de acuerdo con la política de la empresa.
• Revisar las aplicaciones y documentación devueltas para asegurar completitud, precisión y cumplimiento.
• Ejecutar el sistema de aseguramiento automatizado (AUS) y revisar los hallazgos y la documentación requerida.
• Preparar Pre-Calificaciones solicitadas de acuerdo con la política de la empresa. Ordenar informes de crédito, tasaciones y solicitudes de título, y hacer seguimientos regulares con los clientes y fuentes de referencia.
• Mantener comunicación regular con los solicitantes durante el proceso, ayudándoles con preguntas y notificándoles cualquier información adicional requerida.
• Enviar archivos de préstamos cumpliendo con los tiempos de entrega establecidos.
• Mantener un seguimiento de todos los préstamos en proceso, monitorear su progreso y cumplir con todos los plazos contractuales.
• Cumplir o superar los requisitos mínimos de producción.
• Completar el Plan de Negocios anual y reunirse regularmente con el Gerente de Sucursal.
• Mantenerse informado sobre tendencias y desarrollos en el mercado inmobiliario local, cambios en las normativas y regulaciones de préstamos hipotecarios.
• Mantener una imagen profesional y estándares consistentes con las políticas y procedimientos de la empresa.
• Reporta al Gerente de Sucursal.
• 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.
• Determines proper program placement of a loan file (i.e., FHA, VA, Conventional, USDA, etc.).
• Price,s loans, and lock rates as per Company policy.
• Review returned applications and documentation for completeness, accuracy, and compliance.
• Runs AUS and reviews findings and required documentation.
• Prepares requested Pre-Qualifications as per Company policy. Orders credit reports, appraisals, and title requests. Conducts regular follow-ups with clients and referral sources.
• Maintains regular communication with applicants throughout the processing period, assisting them with any questions and notifying them of any additional information required.
• Submits the loan file, allowing for stated turn times.
• Maintains a pipeline of all loans in process, tracks their progress, and meets all contractual deadlines.
• Meets or exceeds minimum production requirements.
• Completes annual Business Plan and meets 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.
• Reports to the Branch Manager.

Qualifications:

• Over 2 years of experience in lending or funding with credit unions, banking, or financial services are accepted, but real estate mortgage loan closing or processing experience is preferred
• Candidates must be proficient with MS Office, lending or title software, NMLS experience is desired
• Exceptional written and verbal communications skills are desired
• Understanding of loan products such as Conventional, FHA, USDA, and VA; as well as knowledge of mortgage industry regulations from origination to post-closing is essential
• GED or high school diploma is required, Bachelor's degree preferred
• Mínimo de 2 años de experiencia como Oficial de Préstamos o equivalente en la industria, o historial aceptable a criterio el Gerente de la Sucursal.
• Registro en NMLS requerido.
• Capacidad demostrada para leer, escribir y comunicarse a un nivel consistente con los requisitos del puesto, generar clientes potenciales de manera independiente y comunicarse profesionalmente con clientes actuales y anteriores.
• Conocimiento práctico de productos estándar de préstamos en la industria y familiaridad con las guías de suscripción.
• Educación secundaria o equivalente (Preferido).
• Conocimiento de regulaciones de Vivienda Justa: 1 año (Preferido)
• Experiencia en ventas: 2-3 años (Preferido).
• Spanish Speaking.
• Must be licensed.
• Minimum of 2 years 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).

About Company: Why EmpowerHome? Ranked #8 Real Estate Team in the Nation by RealTrends (Sales Volume)#1 Female-Led Real Estate Team in the U.S.Collaborative, high-performance cultureMission-driven leadership and growth-focused environmentHow to Apply Submit your resume to be considered. Qualified applicants will be contacted for the next steps.

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