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Loan Originator

Landmark Mortgage Capital

Loan Originator

Irvine, CA +8 locations
Full Time
Paid
  • Responsibilities

    Job Description

    RESPONSIBILITIES

    A FULL-TIME, OUTSIDE SALES POSITION RESPONSIBLE FOR SEEKING AND DEVELOPING RELATIONSHIPS FOR NEW BUSINESS SOURCES BOTH INTERNALLY AND EXTERNALLY. MEET WITH AND INTERVIEW PROSPECTIVE CUSTOMERS, BROKERS, NHCS, AND OTHER REFERRAL SOURCES AT HOMEBUILDING COMMUNITIES OR OTHER CONVENIENT LOCATIONS TO COLLECT AND ANALYZE CUSTOMER FINANCIAL INFORMATION. ADVISE CUSTOMERS ON THE RISKS AND BENEFITS FOR VARIOUS MORTGAGE PRODUCTS AND HELP SELECT THE APPROPRIATE LOAN PROGRAM WITHIN LANDMARK MORTGAGE CAPITAL ROADMAP TIMELINES.

    • Make sales calls and develop relationships within the community to generate business for the company. Interview customer and secure a complete loan application within five days of the purchase agreement.
    • Review leads daily and contact borrowers via telephone and email to obtain their loan application. Utilize Mortgage Returns system for prospecting.
    • Originate and prepare new loans in accordance with the “Loan Officer” agreement, signed at the time of employment, to ensure all loans meet the guidelines of the Products and Policies manual for upfront submission.
    • Advise and recommend to the customer regarding the various mortgage loan products based on
    • the customer's individual needs.
    • Recommend to customers the appropriate mortgage loan product to best fit the customer's
    • financial and individual needs.
    • Achieve loan decision within five days of loan application.
    • Achieve Conditional Loan Approval I status within thirty days of application date.
    • Review interest rates as needed and lock all loans with the borrowers in accordance with the Secondary Marketing Pricing and Rate Lock Policies and Procedures manual, at least fifteen days prior to closing.
    • Participate in builder and realtor functions, status meetings, phase releases, phone banks, special events, etc., to develop and maintain relationships and customer service.
    • Be accessible to the buyers and associates and return calls in the same day.
    • Build rapport with and maintain open lines of communication with borrowers, builders, realtors, and processors and provide outstanding customer service.
    • Solicit new business from home builders and realtors.
    • Travel to communities to meet with borrowers and obtain loan applications, as necessary.
    • Meet or exceed closed loan capture rate and spot loan objectives for the division as determined.
    • Provide assistance to New Home Consultants on pre-qualifications of customers; provide status of loans as required.by the Division Manager and based on annual business plan.
    • Maintain reports and notes within origination computer system to ensure complete exchange of information regarding loan application, loan status, conversations with customers, underwriting, lock in information, monthly projected closings, incentive, and expense reports.
    • Participate in weekly “Pipeline” meetings with processor(s) or phone calls as required with full working knowledge of each file. Assist loan processing and closing departments to facilitate accurate and expeditious processing and closing of loans.

    QUALIFICATIONS

    • One to two years as a Loan Officer or a Loan Officer Associate
    • General mortgage banking background, including knowledge of lock procedures.
    • Ability to maintain flexible work schedule, including evening and weekend work.
    • Strong computer background with 1 to 2 years’ experience in mortgage software Point or Encompass.
    • Four-year college degree (preferred)
    • Strong verbal and written communication skills
    • Strong advisory and customer service abilities
    • Attention to detail and excellent organizational and time-management skills.
    • Strong interpersonal skills
    • Excellent analytical capabilities
    • Self-starter
    • Strong work ethic
    • Ability to study material independently.
    • Ability to drive motor vehicle.
    • Valid driver's license
    • Dependable transportation
    • NMLS License & specific State license and bond requirements and required training.
    • Closer
    • Repour builder.

    REGULAR INTERACTION (INCLUDING FACE-TO-FACE MEETINGS) WITH HOME BUILDING DIVISION STAFF AND MANAGEMENT, SALES ASSOCIATES, PROSPECTIVE HOMEBUYERS, LENDER REPRESENTATIVES, NORTH AMERICAN TITLE ASSOCIATES, AND MORTGAGE DIVISION STAFF.

    • Requires the ability to operate a personal computer, fax machines, copier, climb stairs, bend, stoop, reach, lift, move, and carry materials and supplies weighing 20 pounds or less. Finger dexterity is required to operate a computer keyboard.
    • Must have positive attitude, work well under pressure, and be a team player.
    • Must possess professional attitude to represent Company in a positive manner.
    • Interact well with co-workers.
    • Understand and follow posted work rules and procedures.
    • Accept constructive criticism.
    • Work weekends and evenings as needed.

    Company Description

    OUR MISSION: In Simple Terms, Clients FIRST. At LMC, we strive to build beneficial and meaningful relationships with our customers by identifying their goals and providing the absolute best experience possible. This is why we always put the needs of our customers ahead of anything AND everything else. OUR CULTURE: C.A.R.E. We pride ourselves on a culture that puts a high premium on Excellence for our customers. We work to achieve the desired results for our clients because we truly CARE. And that in turn gives us a tremendous sense of achievement as individuals and as a company. Caring, Achievement, Results and Excellence. The core values of our company culture. OUR EXPERIENCE: With an average individual industry experience of almost 30 years per associate, we bring a seasoned, knowledgeable team to the table with each and every transaction. Having not only survived, but having THRIVED though even the most extreme market conditions, there is virtually no scenario or challenge we have not faced in this business. As a customer-oriented mortgage originator, we are highly skilled to provide the absolute best home loan experience and seasoned enough to find a way to say YES to your needs, even when others have said no. OUR PRESIDENT: At the helm of Landmark Mortgage Capital is Mike Timoschuk. Mike is a deeply experienced and accomplished Loan Officer in his own right and has served as past President for the California Association of Mortgage Brokers. Mike is also a veteran Real Estate Agent who has represented clients in and around Southern California for almost 30 years. His depth of knowledge of mortgage transactions is the cornerstone to LMC’s success and he is personally involved in each and every transaction. This hands on approach ensures that our Mission is achieved and our Culture remains strong. Mikes commitment to Landmark and its clients and their families is unsurpassed.

  • Locations
    Irvine, CA • Costa Mesa, CA • Newport Beach, CA • Santa Ana, CA • Anaheim, CA • San Francisco, CA • Sacramento, CA • Modesto, CA • San Diego, CA