Loan Originator

Under the direction of the Branch and/or Production Manager, markets and promotes Prime Lending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of Prime Lending and its customers.

• Evaluates Prime Lending’s and other loan products and services and determines which financial products best meet the customer’s needs and financial circumstances.
• Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives to develop and retain existing business, visiting subdivisions as required.
• Markets and promotes Prime Lending’s financial products.
• Ensures completion of loan applications using Prime Lending’s product set to meet the Company’s minimum production standards in funded units/volume on an ongoing basis each month.
• Monitors overall customer interaction, interfaces with all parties involved on each individual loan from application to closing, including counseling and pre‑qualifying potential home buyers.
• Collects and analyzes information regarding the customer’s income, assets, investments or debts.
• Advises the customer regarding the advantages and disadvantages of different loan products.
• Services existing customers and obtains all necessary support documents along with the appropriate fees and lock‑in information.
• Oversees the loan process by monitoring loan status and ensuring conformity with terms.
• Communicates loan status to all interested parties and obtains loan documentation after closing.
• Presents terms and conditions of loans with customers.
• Stays abreast of trends and developments in the local real‑estate market, competitive environment, and changes in rules and regulations pertaining to private and government‑insured mortgages.
• Maintains a professional image and adheres to standards consistent with company policies and procedures.
• May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s).
• Performs other functions as needed.

• High school diploma or equivalent and appropriate state licenses.
• Valid driver’s license and current automobile liability insurance.
• A minimum of 12 months loan originator experience.
• Experience interacting with regional and corporate departments, as well as realtors, sales agents, builders, appraisers, etc.
• Demonstrated judgment and decision‑making ability, with excellent verbal and written presentation and communication skills.
• Ability to quickly assess and process large amounts of data and use appropriate AU software technology.
• Active community involvement and membership in relevant job‑related organizations to enhance networking.
• Commitment to expanding knowledge of industry issues and organizational developments.
• Qualified for Exempt Status under the U.S. Department of Labor Regulations Part 541‑Exemptions for employees who meet certain tests.

• Established in 1986.
• Part of Hilltop Holdings Inc., a diverse financial services company.
• 400+ purchase, renovation, refinance and reverse mortgage products.
• National lender with coverage in all 50 states.
• Branches located in 42 states.
• 96% customer satisfaction rating (2023).
• 4.9 national average star rating on Google.
• 22,000+ five‑star Zillow reviews.