What are the responsibilities and job description for the Loan Officer position at Inspire Home Loans?
What You'll Do:
Inspire Home Loans (a Century Communities, Inc. affiliated company) is seeking an experienced Loan Officer to join the team supporting our homebuilder in Texas. This role will be responsible for continually identifying, developing, and maintaining customer financing objectives and advising customers of product/pricing policies and guidelines while gathering any additional required information. The Loan Officer will ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and all regulatory requirements.
This position will be remote, but individuals must reside in MI.
Your Key Responsibilities Include:
- In conformity with Inspire Home Loans' policies/procedures and applicable law, the Loan Officer will collect and analyze each customer's financial information and assess if the individual can qualify for a specific loan product.
- Advise the potential borrower regarding the risks and benefits of the loan alternatives, including the options and variables involved.
- Discuss the loan products available to best meet the individual's needs depending on their circumstances.
- Ascertain all pertinent documentation to ensure the loan is approved.
- Communicate effectively with all parties, including the customer, the sales associate, processing, underwriting, closing, the title company, and the builder.
- Lock the rate.
- Manage personal production and ensure closings are handled appropriately and timely.
- Meet and/or exceed company standards.
- Demonstrate the highest level of professionalism and customer service towards all customers.
- Perform other duties as needed or assigned.
What You Have:
- Thorough knowledge of all loan types, including Conventional, FHA, Jumbo, and VA.
- Prior builder experience strongly preferred.
- Proficient with loan origination systems, Encompass experience preferred.
- Proficient with AUS (LP, DU, GUS).
- Proven track record of building and maintaining strong, professional business relationships.
- First-time home-buyer experience, a plus.
- Ability to handle a heavy workload with minimal supervision.
- Must be available to travel (inter-state) when needed.
- Independent, reliable, detail focused and organized.<
- Proven ability to develop and maintain strong business relationships.
- Exceptional customer service skills.
Your Education and Experience:
- Bachelor's Degree is preferred, or equivalent combination of education and experience required.
- A minimum of 3-5 years' experience originating loans, builder preferred.
- Must be an actively licensed Mortgage Loan Officer in MI. Willing to obtain other state licenses as necessary.
About Inspire Home Loans
As an affiliate of Century Communities—one of the nation's largest homebuilders and industry leader in online sales—we strive to make the dream of homeownership possible. We’re proud to be part of the company’s mission to create thriving, enduring neighborhoods with lasting livability, focusing on building sustainable, affordably priced homes for our customers while reducing our carbon footprint. For team members, our goal is to provide the resources, opportunities, and benefits to build successful and rewarding careers. We’re committed to fostering an environment of diversity, inclusivity, and respect, and building a culture dedicated to ethical business behavior and responsible corporate activity.
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