Loan Officer Outside Sales

The main function of this position is to proactively solicit new residential mortgage clients while developing a strong business network of referrals. The Loan Officer analyzes a borrower’s financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts.

• Originates own sales by contacting prospective clients
• Develops and maintains referral sources
• Spends one or two hours per day, two or more times a week outside the office (including home office) originating loans
• Meets with prospective clients at locations other than PRMI’s offices (e.g., client’s home)
• Engages in marketing and promotional activities in support of own sales
• Contacts clients by telephone, mail, and e‑mail as adjunct to in‑person contacts
• Obtains credit information and necessary documentation for application process
• Teams with real estate agents, brokers, financial advisors, and other potential referral sources to develop borrower leads
• Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.
• Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs
• Reviews application information and requests specific supporting documentation as needed/required based on loan investor guidelines
• Analyzes and exercises independent judgment and discretion in advancing PRMI’s business objectives and the interests of PRMI’s customers regarding significant financial decisions
• Carries out major assignments affecting business operations by collecting and analyzing customer information, evaluating applicant data, determining suitable financial products, providing advice, and marketing or servicing the employer’s products
• Completes necessary continuing education in a timely manner and remains current on local industry developments and trends
• Provides origination services in the state of licensure
• Creates and maintains excellent business relationships with referral clients, creating new mortgage lending opportunities
• Corresponds, communicates, and coordinates with clients, in‑house support staff, and external service providers to facilitate timely closings

• Sales experience in the mortgage industry (preferred)
• Familiarity with mortgage processes, procedures, rules, regulations, and compliance
• Exceptional customer service skills with a strong attention to detail
• Excellent written and verbal communication skills
• Strong computer skills, including working knowledge of MS Office
• Ability to comprehend and analyze financial information
• Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
• Established contact and referral list within the real estate and mortgage industries (preferred)
• Ability to pass a required background check
• Registered with NMLS (required)

Each employee must communicate clearly and effectively, use a computer, maintain a work schedule, and perform effectively in an office setting. Employment requires compliance with all applicable mortgage and fair lending laws and regulations, as well as PRMI policies. The ability to work extended hours may be required.

Equal Opportunity Employer. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.