The Mortgage Loan Officer will initiate the mortgage process for potential clients, preparing, analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate.

Essential Functions and Responsibilities: Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Provides every client with exceptional customer service; responds to all inbound communication requests (phone, email, or text) within 2 business hours; operates like a mortgage call center working inbound leads.
• Thrives in a fast-paced, 100% remote sales environment; must be able to close a minimum of 10 loans per month after 90 days of employment.
• Meets with and interviews potential and current clients to understand their lending needs including first-time mortgages and refinance of existing loans.
• Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications
• Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness
• Reviews loan applications, gathers credit histories and reports, and assesses applicants’ capacity to repay and default risk
• Based on predetermined requirements, assesses, and grants or rejects mortgage applications.
• Views or visits property for real estate purchase or refinance
• Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages
• Develops and maintains contacts with local realtors, developers, and builders to promote and encourage the use of District Lending services for residential mortgages.
• Performs other duties as assigned.

Knowledge, Skills, and Abilities:

• Strong verbal and written communication skills
• Ability to remain competitive and coachable while working in a fast-paced sales environment
• Desire to take your sales career to the next level
• Ability to adapt well to change with the willingness to maintain a flexible schedule
• Team player attitude
• Experience reaching or exceeding sales goals and objectives
• Expert-level advisor to clients in the home buying/refinance process
• Excellent interpersonal and customer service skills
• Excellent organizational skills and attention to detail
• Thorough understanding of Federal Housing Authority (FHA), Veterans Affairs (VA), Federal National Mortgage (Fannie Mae), and other types of construction and conventional loans
• Proficient with Microsoft Office Suite or similar

Required Qualifications:

• 3 years of sales experience
• 3+ years’ experience as a Loan Officer
• 3+ years’ experience working and closing purchase loans
• Mortgage Loan Originator (MLO) license in at least three of the state’s District Lending currently holds a license*
• Certification by the Nationwide Multistate Licensing System (NMLS) National and State testing
• Must be able to bring your own home office set-up and equipment to the role to include computer or laptop with functional camera & audio, as well as high-speed, reliable internet

Preferred Qualifications:

• Self-starter who thrives in an extremely paced, 100% remote, sales environment; you’ll be closing in-bound, warm internet leads while simultaneously managing a locked pipeline.
• Must have experience working and closing purchase loans for clients; we primarily do purchase loans with some cash-out refinances. We do not want candidates who mainly have re-finance experience.
• High-volume mortgage call center experience highly desired; you’ll spend a ton of time communicating with clients over phone, text, and email
• Skilled in using online sales CRM software to manage and close in-bound warm internet leads

What You Get:

• Best in class technology stack and support for our Founder & CEO and other LO’s
• 30-day hands-on training and on-boarding program
• Fast closings (14 days or less in many instances)
• Unique model where we feed you all the qualified leads (you will never work a cold lead or make a cold call!)
• Live leads transfer from us to you via best-in-class CRM
• Target compensation of $180K - $250K annually; base salary with competitive commission structure
• No micro managing; you’ll never meet with or call upon real estate agents, you’ll have a ton of autonomy, which also means we expect you to be a highly motivated self-starter.
• 100% remote work! Work from anywhere in the U.S. with a phone and internet connection.
• Great benefits including healthcare, dental and vision.
• Warm inbound leads (no outbound prospecting); you’ll never work a cold lead or make a cold call!
• Once you lock the loan, we have a separate processing company who takes it to finish line, which makes your job easier! We want you to focus on building relationships with clients and helping them get a great low rate on their purchase loan or cash out refinance.

_ District Lending is currently licensed in the following states: Arizona, California, Texas, Idaho, Florida, Georgia, Oregon, and Colorado. We are actively pursuing licenses in Massachusetts, Illinois, Tennessee, New Jersey, and North Carolina._

_ District Lending is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex, _national origin, age, marital status, disability or any other basis prohibited by law.