LOAN ORIGINATOR

Job Description

Job Description

Join the GEM Mortgage Team!

Ready to be part of a leading mortgage lender that truly puts clients first At VERO Mortgage, a division of Golden Empire Mortgage, we've been a respected leader in the industry for nearly 40 years, guided by our core belief that our borrowers' interests come first. We're dedicated to providing clients with expert financing advice and believe that everyone deserves access to credit.

Our mission is to build long-lasting relationships with borrowers and real estate partners, be an employer of choice with growth opportunities for our team members, and operate as a trustworthy, financially sound enterprise that positively influences our communities.

At Golden Empire Mortgage, our LEADER values guide everything :

• Loyalty to our team, borrowers, and partners.
• Excellence in all we do.
• Accountability—we take ownership.
• Driven for continuous improvement.
• Engaged to deliver success.
• Reliability you can count on.

If you're passionate about making a real difference in people's lives, delivering exceptional service, and growing your career with a company that truly values its people and its purpose, we invite you to explore opportunities with us. Come join VERO Mortgage and help us empower clients and communities!

GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.

Golden Empire Mortgage isn't just about mortgages and home lending - GEM is about people, and building lasting customer relationships.

At GEM we understand that the lending process can be intimidating, that’s why we ensure that all of our employees hold to the highest level of client satisfaction. We pride ourselves on integrity, knowledge and state of the art technology all in an effort to provide our customers with excellent customer service and the best rates possible.

Under general supervision of the Branch Manager, the Mortgage Loan Originator is responsible for origination of mortgage loans. This position conducts initial pre-qualification interviews and prepares complete loan application packages and necessary documentation. The Loan Originator also conveys policies for extension of credit in accordance with Company and investor guidelines, serves customers, prospective customers, builders, developers and realtors promptly and professionally.

Essential job functions

Responsible for originating own sales by contacting prospective clients and by developing and maintaining referral sources.

Spend over 50% of time away from employer’s place of business in performing principal duty of selling loan products

offered by company.

Interviews, takes applications, and processes preliminary documentation on loan requests. Discuses loan alternatives,

credit criteria, interest rates, and loan documentation with customers.

Assesses customer’s applications and evaluates products, pricing, and other variables in order to determine which

mortgage products might best serve customer’s needs.

Submits, within company designated time frames, all files to operations staff for processing, underwriting, closing, and

funding.

Performs follow-up work to achieve conditional loan approval within established time frames.

Locks in rates and programs for customers when reasonably requested and in a timely manner.

Completes lending operations in accordance with established Company policies and legal requirements.

Assumes responsibility for establishing and maintaining effective and professional business relations with customers,

realtors, building professionals, and referral partners.

Maintains current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements.

FLSA Status : Commission Only

Minimum requirements

High School or GED required.

NMLS MLO License.

Knowledge, Skills and Abilities

Ability to prioritize and multi-task, while working in a fast paced environment.

Exceptionally detailed, focused and motivated professional.

Excellent communication skills.

Pleasant with customers, business partners and colleagues.

Knowledge of automated underwriting systems (DU / LP), HUD and RESPA Regulations.

Comprehensive understanding of legal, compliance and Investor requirements.

Compensation Disclosure

This is a commission-only position. The expected commission range depends on loan amount, structure, and volume. Actual compensation will vary based on individual performance, commission structure compensation agreement, and market conditions.

At-Will Employment

This position is classified as at-will employment in accordance with California law. Employment may be terminated by either the employer or employee at any time, with or without cause or notice, subject to applicable law.

Work Location

This is a field-based role. Loan Originators are expected to spend 50% or more of their time networking, meeting with clients, and conducting business outside the office. VERO Mortgages primary office is in Visalia, CA, but flexible arrangements may be available.

Equal Opportunity Employer

VERO Mortgage and Golden Empire Mortgage are Equal Opportunity Employers. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), gender, gender identity or expression, sexual orientation, marital status, national origin, ancestry, age, physical or mental disability, medical condition, genetic information, military or veteran status, or any other characteristic protected under federal, state, or local law.

Reasonable Accommodations

VERO Mortgage is committed to providing reasonable accommodation for qualified individuals with disabilities during the application or recruitment process. If you need assistance or accommodation, please contact us at HR@gemcorp.com.

California Consumer Privacy Notice

VERO Mortgage, a division of Golden Empire Mortgage, may collect personal information from job applicants for purposes related to employment consideration. We are committed to handling your information in compliance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). To learn more about how we collect, use, and protect your information, please review our Privacy Policy https : / / gemcorp.com / page / privacy -notice .