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Posted: Tuesday, January 16, 2018 3:26 AM

Job Description:/h3:
Work for an Award Winning Company Culture
Are you an independent, self:starting, team player with a positive attitude? Are you passionate about giving back to your community? Do you want to work for a company that we like to think as the happiest place in mortgage and has been voted a Best Place to Work for the last 12 years? Join our family at Homeowners Financial Group and you can take advantage of our great benefits.
:United Healthcare Benefits including vision, medical, life and dental
:Employee tenure program
:Presidents Club for both Sales and Operations staff
Who We Are: Homeowners Financial Group has over 370 employees in 39 offices across the country and has helped tens of thousands of homeowners realize home ownership. We are not your typical mortgage company: we foster a family environment, we give back to the community through dozens of charities and we love what we do
Who We Want: We want a Licensed Mortgage Professional (LMP) who is responsible for developing new business, structuring and closing loans, as well as maintaining and servicing an existing portfolio. The LMP manages the customer through the entire loan process by setting expectations, taking applications, and managing closings. This involves collecting and analyzing information and documentation regarding the customers employment, income, assets, credit history, and debts to determine the appropriate mortgage loan financing options. This position also represents Homeowners Financial Group (HFG) in the local community through active involvement in community affairs and by participating in marketing efforts of HFGs products and services. LMP must hold an active Mortgage Originator License through NMLS.
Essential Duties:
:Proactively solicits new residential mortgage business and originates HFG mortgage products to meet established loan quality and production goals.
:Continually identifies, develops, and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A network is enhanced by the LMPs regular participation in community efforts promoting homeownership, business related development opportunities, and professional organizations.
:Responds in a timely and professional manner to customer inquiries and referrals that are generated through personal contacts or HFGs business channels. Converts company:provided leads into personal appointments.
:Conducts interviews with prospective borrowers in order to analyze financial and credit data and determines customer financing objectives. Advises customers of advantages and disadvantages of loan products and pricing and gathers any additional information required.
:Manages overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre:qualifying potential homeowners.
:Obtains all necessary supporting documents and collects the appropriate fees.
:Negotiates terms, structures loan financing based on risk considerations, and presents credits for approval to appropriate levels of authority within HFG.
:Maintains a thorough knowledge of lending programs, policies, procedures and regulatory requirements.
:Demonstrates a commitment to professional ethics, complies with all Federal and State policies, and adheres to HMDA requirements.
:Stays abreast of trends and developments in the local real estate market and competitive environment.
:Explains the available loan program and rate options to the customer and advises the customer on options for locking in a rate and loan program. When the customer wants to lock in a rate and program, the LMP documents the customers request to lock and confirms the locked rate/program with the Secondary Marketing Department.
:Provides monthly projections for production on a timely basis.
:May partner with Mortgage Assi


• Location: Sacramento

• Post ID: 21121567 sacramento is an interactive computer service that enables access by multiple users and should not be treated as the publisher or speaker of any information provided by another information content provider. © 2018