Mortgage Loan Officer; English​/Spanish Bilingual

Mortgage Loan Officer (English/Spanish Bilingual) – Homewise Inc.

Homewise is dedicated to helping individuals and families achieve their dream of home ownership. We provide guidance and resources to ensure our clients find the right mortgage with payments they can afford.

We are seeking a dedicated and customer-focused Mortgage Loan Officer to join Homewise. The primary mission of this role is to use independent judgment in counseling and assisting mortgage loan applicants in securing an affordable mortgage. If you have a passion for helping others achieve their home ownership dreams and meet the qualifications below, we would love to hear from you.

• Initiate relationships with customers within 24 hours of referral. Coordinate the gathering, ordering, and copying of all necessary information, including income verification, asset verification, credit profile, and other supporting documentation to complete a loan application. This may include Title Binders, Appraisals, and Verifications of Employment.
• Review all information provided by the customer and evaluate the applicant’s financial situation to determine loan eligibility. Work with the Processor to review supporting documentation.
• Recommend appropriate loan structures to access the lowest cost funding sources while maximizing Homewise resources.
• Exercise judgment in recommending approval or denial of loan requests and deciding the best loan programs for customers.
• Inform all applicants of their credit decisions, rates, and terms. Where applicable, inform them of affordability based on credit analyses and/or resolution of credit problems.
• Promptly inform all relevant parties, including customers, Realtors, Home Selection Counselors, Real Estate Development staff, and others, of any change in the status of a customer’s qualification or application.
• Complete application, consumer loan disclosures, and customer checklist. Transfer client information to the Processor within 5 days of borrower assignment.
• Counsel customers with minor credit problems.
• Attend closings regularly to provide support to borrowers.
• Use Fannie Mae Desktop Underwriter, Calyx Point loan origination system, Doc Velocity aka ICE DDA, STARS (Salesforce), and Microsoft Office to maintain various reports. Maintain organized files for easy research by others.
• Participate in setting team goals and objectives annually.
• Work closely with other internal departments to ensure best practices in customer service.
• Comply with all applicable regulations, policies, and procedures.

• Achieve individual and team goals for first mortgage loans closed and refinance and home improvement loans closed, as applicable.
• Display a high degree of customer service and responsiveness when working with customers and business contacts.
• Manage the pipeline of customers so that each customer’s home purchase mortgage loan closes on the original date specified in the Real Estate Purchase Contract, with extensions only due to events beyond Homewise’s control.

• Bilingual in English and Spanish: fluency in both languages, verbally and in writing.
• Customer Service:
  Extremely responsive to internal and external customer requests; adheres to Homewise Inc. Customer Service Standards and acts with empathy.
• Listening
  
  Skills:
  
  Understand viewpoints, anticipate customer needs, and offer innovative solutions.
• Communication
  
  Skills:
  
  Clearly present issues, both orally and in writing.
• Flexibility and Adaptability:
  Adjust quickly to changing priorities and conditions.
• Computer
  
  Skills:
  
  Proficiency in Microsoft Excel, Word, Outlook, Windows, and familiarity with Loan Origination Systems.
• Work Independently:
  Ability to work with little supervision.
• High Standards:
  Maintain high personal performance standards.

• High school diploma or equivalent required
• Minimum of two years’ experience in mortgage lending or a related field
• State of New Mexico Mortgage Loan Originator license
• Ability to serve Spanish-speaking clients in Spanish

• 100% on site.
• Must be able to work flexible hours, including evenings and/or weekends.

• This is largely a sedentary role; some filing is required. May require lifting files, opening filing cabinets, and bending or standing as necessary.
• Must be able to occasionally lift up to 20 pounds
• Must be able to maneuver around various client business offices and work spaces.

• Entry level

• Full-time

• Finance and Sales

• Non-profit Organizations

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