LOAN ORIGINATOR - OUTSIDE SALES (SARASOTA, FL) – JOB DESCRIPTION

SUMMARY & PURPOSE OF POSITION:

PRIMARY POSITION-SPECIFIC RESPONSIBILITIES:

• Guide borrowers through the loan application process, explain required information and qualification criteria, and provide responsive support throughout the transaction;
• Take complete loan applications and collect all required initial documentation;
• Run credit reports, loan pricing, and DU findings;
• Generate mortgage insurance (MI) quotes, when applicable;
• Explain loan terms, policies, guidelines, and product options in clear and understandable language;
• Provide current loan rate information upon request;
• Request loan disclosures for pre-approvals and purchase contracts;
• Assist clients with reviewing and signing required disclosures;
• Complete required origination milestones in Encompass and submit complete documentation to processing;

• Review loan files for completeness prior to submission to the processor, including tax returns, identification, bank statements, income documentation, award letters, DD214s, letters of explanation, and other required documentation;
• Lock loans when appropriate and notify the processor and disclosure desk;
• Conduct weekly pipeline review meetings with the processor and Loan Officer;
• Provide timely weekly loan status updates to realtors and other referral partners;
• Monitor loan progress and work closely with Loan Officers, processors, underwriters, and other staff to facilitate a smooth and compliant transaction;
• Attend and complete all required training;
• Maintain current knowledge of mortgage lending guidelines, policies, procedures, investor requirements, and applicable regulations;
• Maintain all applicable licensing requirements;
• Provide exceptional customer service throughout every stage of the lending process;
• Complete other duties as assigned.

PREFERRED EDUCATION/EXPERIENCE:

• At least three (3) years of mortgage lending experience required;
• At least two (2) years of experience as a Production Loan Partner preferred;
• Strong working knowledge of mortgage products, loan programs, and loan types;
• Demonstrated ability to manage approximately 30–60 active loan applications per month;
• Exceptional attention to detail and strong organizational skills;
• Outstanding work ethic and time management skills;
• Ability to perform exceptionally well under pressure and meet deadlines;
• Strong oral and written communication skills;
• Prior experience with Encompass preferred;
• An Associate’s or Bachelor’s degree from an accredited college or university in finance, accounting, mathematics, or a related field preferred;
• Bilingual English/Spanish skills preferred.

REPORTING TO THIS POSITION:

• Servicing Specialists

POSITION REQUIREMENTS: