+--------------------------------------------------------------------------+ | Our Client is a large Mortgage Company based in Lake Forest, CA.  Client | | is seeking Consumer Direct Loan Officers to work in their Call Center in | | Orange County (Lake Forest).  This position will need to have or obtain | | a CA NMLS State License as well as other state licenses as required over | | time.  This is a salaried position with bonus opportunity based on | | production.  Benefits include, Medical, Dental, Vision, 401k, Paid Time | | Off and other perks.  If you have Consumer Direct Lending experience | | please apply! | +--------------------------------------------------------------------------+ | MORTGAGE LOAN ORIGINATOR (LOAN OFFICER) | | 1. Directly soliciting, originating and supervising to closing Mortgage | | Loans, on behalf of the Company's customers; | | 2. Directly or indirectly negotiating or counseling applicants about | | Loan interest rates on a Loan application; | | 3. Directly or indirectly representing to the public, through | | advertising or other means of communicating or providing | | information, including the use of business cards, stationery, | | brochures, signs, rate lists, or other promotional items, that such | | Employee can or will perform any of the activities of a MLO; | | 4. Researching, developing and implementing marketing ideas taken from | | various marketing sources; | | 5. Establishing and maintaining client referral relationships with | | previous clients, realtors, accountants, financial planners, | | builders, and developers to develop new business or retain existing | | business; | | 6. Receiving, collecting and distributing information provided by the | | applicant to the Company's Processing and Underwriting Department; | | 7. Originating Loans only in the state where the MLO and the Branch | | Office from where the MLO works from is licensed. | | 8. Remaining familiar with and ensuring that all loans originated by | | and actions on behalf of the Employee are handled/taken in | | accordance with the Company's policies, guidelines, quality control, | | applicable federal, state, and local laws, and investor guidelines; | | 9. Ensuring that all proper documentation is prepared, kept and | | maintained in accordance with all applicable laws, and is readily | | available for inspection at Company's discretion; | | 10. Informing the Company immediately of any and all events, incidents, | | occurrences, complaints, lawsuits, investigations, findings, or good | | faith concerns of illegal, improper, or unethical or other material | | information or matters concerning the Company and/or the Employee; | | 11. Ensuring that all closed loan documents are stored in Company's | | document storage system and accessible to Company upon demand; | | 12. Ensuring that all advertising and marketing is done only with the | | pre-approval of Company and that all telemarketing is performed in | | accordance with Company guidelines for use of the Do Not Call list | | and is in compliance with Federal and State rules.  | | 13. Ensuring that all websites or other social media used by the | | Employee that relates in any way to financing residential real | | estate are approved by the Company prior to posting to/access by the | | general public. | | 14. Ensuring that any and all email communications on behalf of Company | | shall be sent from and directed through corporate email.  Private | | email is not to be used for any official Company business. | | 15. Ensuring that all borrowers are advised of the most appropriate | | financing options, are not steered to products based on maximizing | | compensation, and are only advised to close loans if there is a good | | faith basis to believe that the borrower will be able to re-pay | | the loan. | | 16. Devoting his/her productive time, ability, and attention to the | | business of the Company and giving his/her best efforts and skills | | exclusively to the business and interest of the Company during the | | term of his/her employment with the Company. | +--------------------------------------------------------------------------+