Loan Officer Outside Sales

• Proactively solicit new residential mortgage clients and cultivate a strong business network of referrals.
• Analyze a borrower's financial and credit data to determine creditworthiness and the probability of repayment.
• Originate sales by contacting prospective clients.
• Develop and maintain referral sources.
• Spend time outside of the office to originate loans (at least one to two hours a day, two or more times a week, including a home office).
• Meet with prospective clients at locations outside PRMI offices (e.g., client’s home or other locations).
• Meet with clients in person to present mortgage loan products/packages.
• Contact with clients by telephone, mail, and e-mail to supplement in‑person contacts.
• Obtain credit information and necessary documentation for the application process.
• Make in‑person calls outside the office on real estate agents, brokers, financial advisors, and other potential referral sources to develop borrower leads.
• Engage in marketing and promotional activities to support personal sales.
• Develop new and continued business opportunities by cultivating relationships with realtors, builders, bankers, and other referral partners.
• Develop solid PRMI product knowledge and offer clients the best mortgage products to meet their needs.
• Review application information and request supporting documentation as needed based on loan investor guidelines.
• Analyze and exercise independent judgment in advancing PRMI’s objectives and customers’ interests regarding significant financial decisions.
• Carry out major assignments affecting business operations, including collecting and analyzing customer income, assets, investments, and debts; analyzing applicant data, credit, and collateral property value; determining which financial products best meet customer needs; and providing advice on the advantages and disadvantages of available products.
• Completes necessary continuing education timely and remains current on local real estate and mortgage industry developments.
• Provides origination services in the state of licensure.
• Creates and maintains excellent business relationships with referral clients to create 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 is preferred.
• Familiarity with mortgage processes, procedures, rules, regulations, and compliance.
• Exceptional customer service skills with 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 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.

In the performance of assigned tasks and duties all employees are expected to conform to the following:

• Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines.
• Act within delegated authorities and adhere to applicable policy and procedures associated with such authorities.
• Contribute to establishing a respectful workplace where diversity is critical to innovation and growth.
• Ensure every action and decision is aligned with PRMI values.
• Partner with management to understand performance expectations and measurements; effectively utilize feedback and coaching opportunities while seeking to learn and develop within the role at PRMI.
• Realize team synergies through networking and partnerships across PRMI.
• Embrace change; act as an advocate and role model, promoting continuous improvement.
• Maintain a high standard of customer care while actively listening to customers to understand their views and needs; take ownership of problems and issues, considering PRMI competencies in providing solutions.
• Work independently while coordinating work efforts with other…