Retail Loan Originator

The role

Retail Loan Officers (RLOs) are key drivers of SoFi Lending Corp.’s mortgage sales organization. RLOs are responsible for delivering an exceptional, end-to-end customer experience by guiding members through the mortgage origination process and providing a modern, transparent alternative to the traditional mortgage experience.

What you’ll do:

• Evaluate initial loan applications and supporting documentation to assess creditworthiness and repayment ability
• Perform preliminary analysis of applicants’ credit, income, and assets, communicating initial eligibility and next steps clearly to the customer
• Communicate key origination timelines, product options, pricing, and underwriting requirements throughout the loan lifecycle
• Proactively engage with applicants through outbound communication to obtain required documentation and ensure timely progression from application to funding
• Clearly communicate loan status updates, conditions, approvals, and/or declinations to ensure customers are informed at every stage
• Coordinate with realtors, builders, mobile notaries, and other third-party partners to support a smooth transaction
• Manage the loan process to ensure timely and accurate delivery of disclosures, re-disclosures due to changed circumstances, and closing documentation
• Continuously enhance sales effectiveness and customer experience through ongoing training and development
• Maximize monthly funded loan volume while maintaining quality and compliance standards
• Manage and convert a pipeline of centrally provided leads while delivering a high-touch, consultative retail experience

What you’ll need:

• Professional demeanor and strong work ethic with the ability to establish and build working relationships with SoFi applicants, guiding them from initiation to successful completion of the loan process 
• Driven by high performance in a high expectation commission environment 
• Strong verbal and written communication skills 
• Industry leading pipeline management skills 
• Background or previous experience in financial services and sales in an inbound or outbound call center 
• Solid time management skills and the ability to prioritize activities 
• Ability to establish and maintain working relationships with team members 
• Must be computer literate with above average proficiency in MS Office and internet skills 
• Strong Communication skills including communicating clearly and effectively both verbally and in writing 
• Ability to learn and navigate multiple systems / applications / workflows 
• Ability to exhibit grace under pressure, while successfully navigating stressful work assignments or situations efficiently and effectively 
• Ability to meet critical deadlines under stressful conditions 
• Self-motivated and able to work independently 
• Able to move between tasks and duties quickly and efficiently 
• Excellent organizational skills 
• Excellent prioritization and time management skills

Nice to have:

• Two to four (2-4) years of successful origination of loans; residential mortgage loan experience preferred but not required. 
• Strong knowledge of federal, state and/or regulatory requirements of mortgage lending 
• Overall good knowledge and understanding of mortgage product, pricing and underwriting guidelines 
• Consultative sales skills in a mortgage sales organization 
• High volume transaction processing experience exhibiting the ability to follow written procedures and processes with a high level of accuracy and attention to detail 
• Any individual state mortgage licensing is considered a plus 
• Ability to obtain and maintain individual state license(s) and SAFE act compliance 

Why you’ll love working here

• Competitive salary packages and bonuses
• Comprehensive medical, dental, vision and life insurance benefits
• Generous vacation and holidays
• Paid parental leave for eligible employees
• 401(k) and education on retirement planning
• Tuition reimbursement on approved programs
• Monthly contribution up to $200 to help you pay off your student loans
• Great health & well-being benefits including: telehealth parental support, subsidized gym program
• Fully stocked kitchen (snacks and drinks)