Loan Officer

This position is for SANCTUARY HOME MORTGAGE, one of the Family of Companies of Newrez LLC.

Sanctuary Home Mortgage, a private, boutique mortgage firm local to Metro Atlanta, was founded in unique collaboration and strong partnership with Atlanta Fine Homes Sotheby's International Realty.

Our high-caliber mortgage professionals are trusted, award-winning individuals with 75 years of combined mortgage experience. We are dedicated to opening doors to home financing by developing creative, distinct and tailored solutions for our clients, while exemplifying the very highest standard of integrity, professionalism and service to all whom we serve.

The primary function of the Loan officer is to sell loan products offered by New Rez. Contact prospective clients to develop and maintain referral sources. Meet with prospective clients at outside locations such as a client's home. Make in-person calls on real estate agents, financial advisors and other potential referral sources to develop borrower leads.

Principal Duties

Utilize and develop a network of resources for mortgage loan business development and solicitation for new business.

Utilize, manage and market to a database of customer contacts.

Maintain a positive sales environment by educating potential borrowers, Real Estate Agents and Home builder sales representatives on the Company's products and services; create and deliver presentations when necessary.

Complete thorough loan applications by communicating with perspective applicants and obtain specified information relating to the loan or credit application; correspond with applicant via telephone, email or in-person to resolve any questions regarding application information.

Perform prequalification assessment and analysis of financial condition and risk of financing requests within the Company's credit policies and programs, as well as all state and federal lending regulations (FHA, VA, Fannie Mae, Freddie Mac, Conventional, Conforming, Rural Housing Development, Bond and Portfolio).

Negotiate rate, terms and conditions of the loan.

Lock loans on time and in the correct product type to avoid fall-out.

Collect up-front fees from applicant.

Submit complete loan application, including all required documents and disclosures, and coordinate the process with assigned processing center.

Input loans into appropriate Automated Underwriting System (AUS), such as DU or LP, for underwriting decision.

Assist with, and solve, issues relating to processing, underwriting and closing of loans within employee's loan pipeline.

Develop and maintain knowledge of the financial industry, economy, market conditions, rates, vendors and competition.

Represent the Company in various community and civic functions to enhance the Company's image and develop additional business.

Consistently apply superior decision making techniques relating to applicant inquiries, approvals, and requests as they pertain to existing policies, regulations and procedures.

Maintain compliance on all loan files and pipeline.

Other duties as assigned.

Education And Experience Requirements

Must have an active state MLO license in each state where business is to be conducted.

High-school diploma or GED and a minimum.

3-years lending origination experience.

Strong PC skills, including Power Point, Excel, Word and Lotus Notes.

Solid knowledge of state and local real estate markets.

Knowledge, Skill and Ability Requirements

Ability to plan for contingencies and anticipate problems and identify risks.

Ability to effectively listen and respond to customers' needs.

Ability to demonstrate a strong desire to satisfy one's internal and external customers by displaying superior customer service skills.

Ability to demonstrate corporate responsibility by living our core values - Superior Customer Service, Integrity, Respect, Hard Work, and Long Term Commitment.

Ability to instill trust and confidence from others.

Ability to effectively convey and receive ideas, information, and directions.

Ability to exhibit professional written and verbal communication at all times.

Ability to build and maintain work relationships and contacts needed to effectively address issues and obstacles.

Ability to…