Job Description
Job Title: Mortgage Loan Officer Department: Peak Finance Company
Location: Los Angeles, Ventura County, Santa Barbara, or San Luis Obispo, CA; hybrid
Job Purpose:
We are seeking a Mortgage Loan Officer to join our team. This position will report directly to the Mortgage Sales Manager. We have offices in Woodland Hills, Ventura County, Santa Barbara, and San Luis Obispo, and we welcome candidates from these areas or the surrounding areas.
This is primarily a remote/hybrid role, offering flexibility to work from home or from one of our office locations. However, the role will require travel to visit clients and attend office meetings.
Primary Responsibilities:
· Prospecting clients for residential mortgage solutions
· Proactively convert inbound and outbound sales leads into applications
· Identifying potential clients’ financial needs and recommending optimum product/rate program combinations
· Achieving required sales performance goals that will be evaluated on a monthly basis.
Essential Functions:
· Solicit, originate, negotiate, secure, and process residential mortgage loans.
· The counseling and advising of loan applicants.
· The collection of information and documents from applicants and other parties
· The interest rates, points and fees established in connection with loans.
· The collection of charges or any other amounts from loan applicants
· Monitoring the status of loan applications and keeping applicants and other appropriate parties advised of the status.
· Coordinating the loan processing and closing with Employer’s personnel
· Answer questions from applicants and other appropriate parties regarding closings and assist in resolving disputes related to closings.
· Distributing information regarding Employer's loan products, loan prices and services to real estate brokerage professionals
· Answering questions from consumers and real estate brokerage professionals regarding Employer's loan products, loan prices and services
· Attending Employer-conducted meetings and presentations, and meetings and presentations of real estate brokerage firms
· Preparing reports and ensuring the accuracy and completeness of the contents of loan files and retention of documents
· Perform additional duties as assigned.
Skills/Qualifications:
· At least 3 years of experience in managing and negotiating loans within a fast-paced environment.
· Must be familiar with loan processing guidelines including Fannie Mae, Freddie Mac, and FHA.
· Solid knowledge of standard loan practices, documents, and real estate terms
· Strong understanding of the mortgage market
· Proficiency in Spanish preferred
· Must be based in California
Compensation:
· $52000-200,000 per year; commission pay
Company DescriptionPeak Finance Company provides uniquely competitive rates and a best-in-class team to find innovative mortgage solutions personalized to the needs of our clients. Our residential real estate financing experts specialize not only in offering traditional loans at competitive rates, we work on behalf of credit challenged, self-employed, and first-time home buyers.
Peak Finance Company provides uniquely competitive rates and a best-in-class team to find innovative mortgage solutions personalized to the needs of our clients. Our residential real estate financing experts specialize not only in offering traditional loans at competitive rates, we work on behalf of credit challenged, self-employed, and first-time home buyers.
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