Team Loan Officer

Atlantic Coast Mortgage is seeking a qualified Team Loan Officer to foster loan origination sales. The Loan Officer will find prospective clients, guide them through the loan application process, and gather information to ensure that an informed loan decision is made.

This position requires registration with the National Mortgage Licensing System and Registry (NMLS), as created under the federal S.A.F.E. Act.

Job Responsibilities

• Establish, develop, and maintain client referral relationships with Realtors, builders, Developers, CPA’s, and financial planners and make sales calls on potential or existing customers in order to develop new business and/or retain existing business.
• Meet with prospective borrowers, review and analyze credit and financial data, and determine the borrower’s financial objectives and goals.
• Coordinate customer interaction and interface with all parties involved on each individual loan that is originated from application to closing.
• Provide friendly, accurate, professional service to borrowers and internal business partners by responding promptly to messages and correspondence.
• Keep informed of trends, changes, and developments in the local real estate market.
• To keep up-to-date with changing rules, regulations, and guidelines from FNMA, FHLMC, FHA, and VA in addition to other investors and agencies.
• To keep informed of all origination, processing, appraisal, underwriting, and closing requirements for both company and investor guidelines.
• Negotiate price, terms, and conditions with mortgages.
• Maintain a professional image and standards consistent with company policies and procedures.
• Follow through on all professional conditions and education requirements for licensure.
• Adhere to organizational procedures for loan processing.

Qualifications

• At least two years of loan origination experience is preferred.
• Bachelor’s degree preferred.
• Thorough understanding of the local real estate market and the mortgage industry.
• Thorough knowledge of mortgage lending requirements, regulations, and procedures for FHA, VA, and conventional loan programs.
• Ability to comprehend, analyze, and explain multiple, complex loan programs, financing options, and basic mathematic principles.
• Ability to work independently, exercise good judgment, demonstrate initiative, meet deadlines, and maintain poise under challenging circumstances.
• Ability to build long-term networking relationships fostering real estate lending business.
• Excellent interpersonal and communication skills, including presentation and facilitation skills.
• Strong multi-tasking, self-management, and self-motivating skills

ACM promotes an Equal Employment Opportunity (EEO) workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, protected veteran status, or any other status protected by law. If you are disabled and need assistance in the application process, please contact the ACM Human Resources department.

The compensation for this position is fully commission based and determined by the individual’s production.