Mortgage Loan Originator - Littleton

The Residential Mortgage Loan Originator increases the production of mortgage loans for manufactured homes and other single-family housing loan products by seeking customers, working with applicants to complete loan applications, analyzing applications, marketing, developing new loan products and leading process improvements for the team’s priorities. This is a critical role in Single Family Housing for an energetic and talented individual.

Reports To: Vice President of Residential Lending

Program: Welcome Home Loans

FLSA Status: Non-Exempt

Major Responsibilities/Accountabilities

• Attract new loan applications by developing relationships and outreach with manufactured-home buyers, realtors, retailers, other lenders, and resident-owned community leaders.
• Coverage area will be New Hampshire and Vermont with possible future expansion.
• Respond to loan applicants and inquiries regarding loan products promptly and efficiently, in accordance with New Hampshire Community Loan Fund’s policies and procedures.
• Evaluate loan requests, including collecting required documents, verifying applicant information, ordering and analyzing credit reports to establish credit-worthiness, and calculating repayment ability.
• Maintain accurate and complete borrower application files.
• In conjunction with our marketing and communications team, prepare marketing material for key audiences, including via print, mail, on-line, social media, video, and public speaking.
• Work with coaching providers by attending meetings and other events to promote mortgage loans to resident-owned community members.
• Attend community events to promote the NH Community Loan Fund.
• Participate in the research and development of new loan products and process improvements serving single family housing needs in accordance with the company’s strategic goals.
• Understand and implement state and federal regulations for mortgage lending.
• Update job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Deliver high-quality and prompt customer service to applicants, borrowers and community partners.
• Adhere to state and federal regulations as applicable.
• Perform other duties as required to advance Community Loan Fund strategies and goals.
• This candidate will be based in our Littleton, N.H. office so there will be the need to demonstrate the ability to work independently.

Education and Experience

• High school diploma or equivalent
• Two years’ experience in residential mortgage loan origination, or equivalent, relevant experience.
• NH Mortgage Originators License through the Nationwide Multistate Licensing System & Registry (NMLS) or the ability to become licensed within 6 months.
• Ability to become licensed to originate mortgage loans in Vermont at a future date.
• Demonstrated familiarity with loan amortization and loan origination software such as Byte Software.
• Proven experience with Microsoft Office 2016 programs (Word, Excel, etc.), laptop computer, and navigating software remotely.

Qualifications and Characteristics

• Strong organizational skills, attention to detail, ability to timely manage multiple priorities in a fast-paced environment to meet deadlines.
• Excellent critical thinking and problem-solving skills.
• Excellent communication skills including superb listening skills; ability to work collaboratively across organizational programs.
• Ability to work remotely, but reside within commutable distance to Littleton, N.H. for periodic office visits. The candidate will also be asked to commute to Concord, N.H. for periodic office visits.
• Bi-lingual fluency is a plus.

Physical Demands

The physical demands described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee is regularly required to sit, talk, and hear. The employee is regularly required to stand, walk, use hand to finger, handle, and reach with hands and arms above shoulder height, stoop,…