Loan Originator
Element Home Loans
- Baltimore, MD
- Permanent
- Full-time
- Meet with borrowers to take applications for purchase and refinance transactions. • Engage in marketing efforts to increase business, client and referral base. • Pull the borrower(s) credit report(s), copy borrower documentation; put file in proper stacking order; pre-qualify the borrower; quote price according to Loan Originator pricing guidelines and input the information into approved LOS. • Work with the processor and other operations staff to facilitate the quick and smooth closing of the transaction. • Communicate with realtor and borrower on any additional needs and status updates. • Lock the loan with the Secondary Marketing Department. • Meet with processor on a routine basis to review pipeline. • Meet continuing education requirements as required by each state and the NMLS. • Attend training as required by Streamline Home Loans from time to time. • Keep current on FHA/VA/USDA/Conventional changes and guidelines as communicated by underwriting or operations or external sources. • Ensure that an environment of teamwork is maintained at all times. • Maintain the highest possible level of customer service. • Interface with other departments as necessary to ensure the smooth operation and growth of the Organization. • Other duties as assigned
- Minimum of 2 years of mortgage and/or sales experience preferred. • Minimumly closes an average of 2-3 loans per month. • Greater than 80% of our production are purchase transactions. • Communicates challenges and opportunities to Manager. • Ability to be flexible, multi-task and organize priorities in a fast paced work environment, while maintaining a high level of focus and accuracy. • Effective verbal and written communications skills • Knowledge of mortgage industry practices and regulations • Strong analytical skills, combined with sound judgment and decision making abilities • High level of professionalism and ability to maintain confidentiality • Strong customer service values and the ability to deliver a high level of responsiveness to both internal and external customers • High level of computer literacy • Maintain knowledge and adhere to all regulations and compliance standards on internal and external policies. • The desire and ability to abide by our four pillars of: Advocacy, Excellence, Integrity, and Accountability. The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
- Competitive Pricing and Closing Costs
- Robust Brand Development and Marketing
- Flat, Local Management Structure
- Weekly Coaching and Career Development
- Unlimited Upside Income Potential
- Easy On-Boarding
- In-House Underwriting and Processing
- Compliance Support
- Licensing Support
- Great Health Benefits
- Direct Seller to Fannie Mae, Freddie Mac, and Ginnie Mae
- Service- We WOW our clients.
- Innovation- We design and implement improved processes, systems, and technology integration.
- Teamwork- We drive towards our goals together, it’s the path to our greatest results.
- Excellence- We push ourselves beyond the expected.
- Top Work Places (2019 – 2020) – The Baltimore Sun
- Top Mortgage Employer (2015 – 2017, 2019, 2020) – National Mortgage Professional Magazine
- Top 100 Mortgage Companies in America (2013, 2015 – 2018) – Mortgage Executive Magazine
- Top 50 Best Companies to Work For (2013 – 2016, 2018) – Mortgage Executive Magazine
- Top Work Places (2018 – 2020) – The Washington Post
- Top Mortgage Lenders (2012, 2013, 2017, 2018) – Scotsman Guide
- 100 Most Influential Mortgage Executives in America (2013 – 2016) – Mortgage Executive Magazine
- #1 Mid-sized Company (2015) – The Baltimore Sun
- Top Private Companies in the Baltimore Area (2014) – Baltimore Business Journal
- One of the Fastest-Growing Private Companies (2013) – Baltimore Business Journal
- Best Places to Work – Finalist (2019) – Baltimore Business Journal