Senior Mortgage Officer

Position Requirement

This role requires a local candidate. Salary range: $43,000 - $. This role is commission based and the annual earnings are based on production, with a minimum earnings of $43,000.00. Exact compensation may vary based on skill, experience and location.

Responsible for originating real estate loans, contacting borrowers, and identifying the desires of the borrowers in order to help with their home financing needs. Continually identifies, develops, and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. Network may consist of real estate professionals, builders, and professional and personal contacts, as well as other valuable referral sources, and is enhanced by the regular participation in business‑related development opportunities, community efforts to promote home ownership, and membership in professional organizations.

• Discuss SAFEu
  2019s mortgage programs with potential borrowers.
• Determine if applicants qualify for the requested mortgage; recommend appropriate mortgage programs.
• Submit timely, accurate, and complete mortgage files to Real Estate Lending for processing, underwriting, doc drawing, and funding.
• Meet minimum production goals, as assigned.
• Maintain current, complete, and accurate status in origination systems for all loans assigned.
• Develop referral sources in the community.
• Discuss other SAFE products and services with borrowers.
• Develop a business referral network through marketing, cold‑calling, prospecting, and networking activities.
• Participate in community events to promote home ownership, discuss SAFEu
  2019s mortgage programs with potential borrowers.
• Develop a purchase pipeline by building a network of realtors who refer potential buyers, and through the realtor and builder association groups.
• Stay abreast of product, financing, technology, and marketing trends while representing SAFE in the community.
• Follow up on referrals in a timely fashion.
• Complete other duties, as assigned.

Education/Certification: Associate's degree or equivalent from a two‑year college or technical school; and five to eight years of related experience and/or training; or an equivalent combination of education and experience.

Certification:

• NMLS license.

Five or more years of experience in mortgage sales. Knowledge of FNMA, HUD, USDA, VA, and FHLMC guidelines. Experience with Encompass preferred.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Excellent oral and written communication skills.
• Demonstrated skill in planning, organizing, and controlling work.
• Good public relations ability, with the ability to speak clearly.
• Ability to work in a team environment.
• Ability to use a personal computer, with emphasis on Microsoft Office (Word, Excel).

• Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
• Ability to write routine reports and correspondence.
• Ability to speak effectively before groups of customers or employees of organization.

• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
• Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to deal with problems involving several concrete variables in standardized situations.

• While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
• The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
• The…