Job Description

Bilingual - Spanish Speaking Our organization is experiencing rapid growth and is currently seeking a skilled and experienced mortgage closer to join our lending team. The successful applicant will have years of closing experience, a firm grasp of regulations and lending trends, and a positive problem-solving attitude. We are very team-oriented and will set you up to achieve your career goals. If you are looking for a challenging yet rewarding opportunity with a leader in the mortgage industry, look no further; start your application today! Responsibilities:

• Interactuar de forma proactiva con clientes potenciales generados por los pilares de generación de clientes de EmpowerHome, presentando el valor de trabajar con EmpowerHome Mortgage junto con EmpowerHome Teams, y programando citas para completar y/o revisar aplicaciones de préstamos.
• Mantener disponibilidad precisa en el calendario, bloqueando horarios cuando no esté disponible para citas programadas por el Departamento de Ventas Internas de EmpowerHome.
• Completar aplicaciones de préstamos por teléfono, correo o en persona con los clientes, y aprobar las divulgaciones de préstamos para su distribución. Todos los campos requeridos en la aplicación deben completarse, incluyendo información de terceros antes de la aprobación.
• Determinar el programa de préstamos adecuado (ej. FHA, VA, Convencional, USDA, etc.).
• Fijar precios y bloquear tasas de acuerdo con la política de la empresa.
• Revisar las aplicaciones y documentación devueltas para asegurar completitud, precisión y cumplimiento.
• Ejecutar el sistema de aseguramiento automatizado (AUS) y revisar los hallazgos y la documentación requerida.
• Preparar Pre-Calificaciones solicitadas de acuerdo con la política de la empresa. Ordenar informes de crédito, tasaciones y solicitudes de título, y hacer seguimientos regulares con los clientes y fuentes de referencia.
• Mantener comunicación regular con los solicitantes durante el proceso, ayudándoles con preguntas y notificándoles cualquier información adicional requerida.
• Enviar archivos de préstamos cumpliendo con los tiempos de entrega establecidos.
• Mantener un seguimiento de todos los préstamos en proceso, monitorear su progreso y cumplir con todos los plazos contractuales.
• Cumplir o superar los requisitos mínimos de producción.
• Completar el Plan de Negocios anual y reunirse regularmente con el Gerente de Sucursal.
• Mantenerse informado sobre tendencias y desarrollos en el mercado inmobiliario local, cambios en las normativas y regulaciones de préstamos hipotecarios.
• Mantener una imagen profesional y estándares consistentes con las políticas y procedimientos de la empresa.
• Reporta al Gerente de Sucursal.
• Proactively engage Buyer Leads generated by EmpowerHome Lead Generation pillars, presenting the value of working with EmpowerHome Mortgage in conjunction with EmpowerHome Teams, and scheduling appointments to complete and/or review loan applications submitted.
• Maintain accurate calendar availability, blocking when not available to take appointments that are booked by the EmpowerHome Inside Sales Department.
• Complete telephone, mail-away, and face-to-face Loan Applications with clients and approve loan disclosures for distribution to clients. All required fields in the application must be completed, including all third-party information, before approval.
• Determines proper program placement of a loan file (i.e., FHA, VA, Conventional, USDA, etc.).
• Price,s loans, and lock rates as per Company policy.
• Review returned applications and documentation for completeness, accuracy, and compliance.
• Runs AUS and reviews findings and required documentation.
• Prepares requested Pre-Qualifications as per Company policy. Orders credit reports, appraisals, and title requests. Conducts regular follow-ups with clients and referral sources.
• Maintains regular communication with applicants throughout the processing period, assisting them with any questions and notifying them of any additional information required.
• Submits the loan file, allowing for stated turn times.
• Maintains a pipeline of all loans in process, tracks their progress, and meets all contractual deadlines.
• Meets or exceeds minimum production requirements.
• Completes annual Business Plan and meets regularly with the Branch Manager.
• Keep informed of trends and developments in the local real estate market and competitive environment, as well as changes in rules and regulations pertaining to private and government-insured mortgages.
• Maintain a professional image and standards consistent with company policies and procedures.
• Reports to the Branch Manager.

Qualifications:

• Mínimo de 2 años de experiencia como Oficial de Préstamos o equivalente en la industria, o historial aceptable a criterio el Gerente de la Sucursal.
• Registro en NMLS requerido.
• Capacidad demostrada para leer, escribir y comunicarse a un nivel consistente con los requisitos del puesto, generar clientes potenciales de manera independiente y comunicarse profesionalmente con clientes actuales y anteriores.
• Conocimiento práctico de productos estándar de préstamos en la industria y familiaridad con las guías de suscripción.
• Educación secundaria o equivalente (Preferido).
• Conocimiento de regulaciones de Vivienda Justa: 1 año (Preferido)
• Experiencia en ventas: 2-3 años (Preferido).
• Spanish Speaking.
• Must be licensed.
• Minimum of 2 years loan officer experience, or industry equivalent, or a Branch Manager deems history acceptable.
• NMLS registration required.
• Proven ability to read, write, and communicate at a level consistent with the requirements of this position and to generate independent leads for new business and professionally communicate with existing and past clients.
• Working knowledge of standard loan products in the industry and strong familiarity with underwriting guidelines.
• High school or equivalent (Preferred).
• Fair Housing regulations: 1 year (Preferred).
• Sales: 2-3 years (Preferred).
• Loan origination: 1 year (Required).

About Company: At EmpowerHome, we don’t just sell houses — we build careers. Ranked by RealTrends 2024 as the #8 Team in the Nation by sales volume, we are the #1 female-led real estate team in the U.S. and have proudly helped over 10,000 families buy or sell their homes. Founded by the powerhouse mother-daughter duo Debbie and Sarah Reynolds, our mission is simple: Serve. Grow. Give Back. Every transaction not only helps families move forward but also supports local causes in the communities we serve. If you’re ready to bring your expertise to a high-energy, high-performance real estate team where your work truly matters, apply today! Submit your resume to be considered. Take note: This is an on-site position with a 5-day office requirement

Job Tags

Start working today, Work at office, Local area, Immediate start,

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