The main function of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts. Originates their own sales by contacting prospective clients, develops and maintains referral sources, spends at least one or two hours a day, two or more times a week outside of the office (including a home office), originating loans, meets with prospective clients at locations other than PRMI's offices, e.g., client's home or other locations, meets with clients in person to sell mortgage loan products/packages, contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts, obtains credit information and necessary documentation for application process, in-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads, engages in marketing and promotional activities in support of their own sales, develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc. Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs, reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines, analyzes and exercises independent judgment and discretion in advancing PRMI's business objectives and the interests of PRMI's customers regarding significant financial decisions, carries out major assignments affecting business operations of the employer or the employer's customers through: collecting and analyzing information regarding the customer's income, assets, investments, or debts analyzing applicant data, credit and collateral property value determining which financial products best meet the customer's needs and financial circumstances providing advice to the customer regarding the advantages and disadvantages of available financial products marketing, servicing, or promoting the employer's financial products, completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries, provides origination services in the state of licensure, creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities, corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings.
Qualifications: Sales experience in the mortgage industry is preferred, familiarity with mortgage processes, procedures, rules, regulations, and compliance, exceptional customer service skills with a strong attention to detail, excellent written and verbal communication skills, strong computer skills to include a working knowledge of MS Office, ability to comprehend and analyze financial information, ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management, established contact and referral list within the real estate and mortgage industries preferred, ability to pass a required background check.
Loan Officer Outside Sales • Fresno, CA, United States
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