Mortgage Loan Originator

Description

A&D Mortgage - Financial Holding Company successfully providing residential and commercial loans for more than 20 years, based in Florida.

We represent our A service in states but are striving to obtain licenses in every State of the US and to become a Nationwide Mortgage Lender.

Our employees are our most valuable resource, and their knowledge and expertise play an important role in achieving our client’s goals.

We have 200 employees, and it’s just the beginning!

Overall Responsibility

Mortgage Loan Originators establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources. Under the direct supervision of the Branch Manager, the job responsibilities of the Mortgage Loan Originator position include, but are not limited to, the following:

Key Responsibilities

• Primary duty is to sell mortgage loans to customers away from and outside of A&D Mortgages places of business. Work done at A&D Mortgages offices is related and supplemental to outside sales.
• Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.
• Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.
• Take information from the borrower and fill out the loan application.
• Develop relationships with referral partners such as realtors to generate new customers.
• Analyze the prospective borrowers income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.
• Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.
• Collect financial information (tax returns, bank statements) and other related documents that are part of the application process;
• Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.
• Counsel and advise the borrower in understanding and clearing credit problems.
• Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.
• Order legal documents.
• Review HUDS prior to closing.
  
  

Qualifications

• Must have appropriate state license or certificate (varies by state).
• Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
• Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.
• Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.)
• Must have excellent communication skills and the ability to analyze financial information.
• Must be a sales-oriented self-starter.
  
  

WE OFFER

• PTO/Sick Days
• Comprehensive medical, dental, vision benefits
• Paid volunteer hours
• Life Insurance, Short-term Disability, and Long term Disability
• Health Savings Account
• 401k
• Paid training and career development
• Career Growth: As part of a growing and evolving company, you will have ample opportunities to develop your career, take on new challenges, and make a significant impact.
• Work-Life Balance
• Inclusive Culture: We are committed to fostering a diverse and inclusive workplace where all employees feel valued and empowered. We celebrate unique perspectives and believe diversity drives innovation.
• Cutting-Edge Technology: Access state-of-the-art learning tools and technologies to enhance your own professional development and that of the entire organization.
  
  

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sexual orientation, age, marital status, veteran status, or disability status.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.