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Residential Mortgage Lender Opening, Austin, TX

Location: Austin, TX

Post Date: 03/24/2023

Residential Mortgage Lender
JOB FUNCTION:To generate mortgage production loans through external business development & internal partners. Will qualify borrowers; maintain compliance and quality control standards.DUTIES & RESPONSIBILITIES:•Build and maintain referral networks and relationships for bringing in new mortgage business.•Advise customers in the process of completing mortgage loan applications (1003)•Determine appropriate loan type for customers’ needs and educate customer on details of all loan types•Determine loan requirements and advise customers regarding documentation required for transactions•Prepare and send initial disclosures to customers, complying with RESPA/TILA requirements•Correctly calculate income and identify assets for borrowers per appropriate lender’s guidelines•Run loan file information through Loan Prospector or Desktop Underwriting system to determine eligibility for agency loan•Manage customers and related service providers, including real estate agents, regarding appropriate expectations for documentation, process and closing•Partner with processor on files to ensure loans close in a timely manner•Communicate with customers regularly to ensure they have a clear understanding of the process•Expand and regularly update knowledge base regarding RESPA, HMDA, MDIA, HVCC, Regulation B, Flood, and other regulations as applicable•Control loan files to ensure compliance with regulatory requirements•Expand and regularly update knowledge base regarding underwriting requirements for conventional, FHA, and VA loansMINIMUM QUALIFICATIONS:Work Experience•2 years’ experience in mortgage loan origination, credit evaluation, underwriting, or processing.•Strong compliance understanding & problem solving skills related to residential loan origination•Exceptional Customer Service, highly motivated, focused, and goal orientedPreferred Experience (Optional)•Experience with existing referral sources & customer relationships•Experience using Encompass LOS System•Proficiency in Spanish languageEducation/Skills/Experience•High School Diploma or equivalent•Strong interpersonal skills•Strong verbal and written communication skillsEquipment/Machines/Software•Excellent computer literacy in all Microsoft Programs (Outlook, IE 7 and 8 andother popular browsers, Word, Excel, Power Point, Adobe Reader)•Ability to work with office equipment such as copiers, scanners, shredders, fax•Mortgage Software•Working knowledge of Android/IPhone softwareCompetency Requirements•Ability to work effectively in high pressure environment•Must be able to hear and speak to communicate with customers•Proven organizational skills with ability to multi-task

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