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Reverse Mortgage Loan Originator

Company: Amerifirst Financial
Location: Gilbert
Posted on: August 5, 2022

Job Description:

Job DescriptionWant to be a part of a dynamic company and team? We are Looking for Candidates who are sharp, hungry and want to grow to the next level with us! AmeriFirst Financial is Looking for you!** Compensation Plan commensurate with Experience**** Approved/Active Mortgage Loan Originator License Required with NMLS one of these states listed:AZ, MA, NH, CA, FL, GA, SC, CO, NV and TNExecutive Summary of Position:Amerifirst Financial, Inc. is involved in all aspects of retail mortgage lending and works to provide borrowers, local realtors, and others in the mortgage and real estate industry with a comprehensive selection of loan products and uncomprised service at competitive rates. The Reverse Mortgage Specialist is primarily responsible for attracting new reverse mortgage loan applications by developing and maintaining business relationships within the community, with realtors, referral partners and borrowers. The Reverse Mortgage Specialist creates business opportunities through networking, inside and outside sales, leads are also provided.Essential Duties:

  • Take thorough and complete loan applications; analyze and prequalify applicant to determine viability of the client's desired loan program.
  • Pull and analyze client's credit. Correct any inaccuracies and determine the correct loan options for the borrower based upon the applicant's present situation, future goals, and desired loan product
  • Gather all initial documentation required based upon the applicant's selected loan program and ensure the 1003 including all disclosure requirements are all signed by borrower.
  • Update job knowledge, including but not limited to all agencies, FNMA,FHLMC, HUD, VA, and regulations, by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
  • Work closely with Loan Processor, and Loan Officer Assistant as applicable, to ensure all needed documentation is obtained as the loan moves through the loan process.
  • Adheres to all applicable state and federal laws and/or regulations including, but not limited to, the Real Estate Settlement Procedures Act, Truth-in-Lending Act, Fair Housing Act, Dodd Frank, and any related state mortgage banking laws, as well as, the rules and ethics of the mortgage banking industry and HUD.
  • Adheres to AFI's Marketing and Advertisement policies and procedures.
  • Provides on-going communication to clients and business partners throughout the loan process
  • Develops and maintains successful relationships with business referral sources, existing and prospective.
  • Maintains an active pipeline of a minimum of 10 loans after initial 90 days of employment with Amerifirst.
  • Represents Amerifirst Financial in a professional manner at all times adhering to all company policies. Other Duties:
    • Handle multiple tasks simultaneously.
    • Participate in proactive team efforts to achieve departmental and company goals.
    • Participate by example through sharing of knowledge and skill to promote a positive team work environment.
    • Comply with all safety policies, practices and procedures.
    • Reporting of potential or actual violations of such policies, practices and procedures to Supervisor.
    • Perform other duties as assigned by Management.Education, Knowledge, skills, Abilities and Experience:
      • Mortgage Loan Originator License is required (Successful completion of 20-Hour S.A.F.E Act training and successful completion of National EXAM (NMLS))
      • A Bachelor's Degree, preferably in finance, business administration or related field, from a four-year college or university is preferred and one or two years of industry- related experience and/or training is required. A combination of equivalent education and industry-related experience is acceptable.
      • Familiarity with FNMA/FHLMC, FHA/VA guidelines and understanding of all facets involved in real estate transactions as well as federal and state compliance regulations.
      • Language skill required is ability to read, analyze, and interpret general business periodicals, professional journals or governmental regulations. Ability to write business correspondence. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
      • Computer skill required is that of basic personal computing including electronic mail, word processing, spreadsheets, graphics, etc. experience with Encompass 360 LOS is preferred but not required. Disclosure:Amerifirst Financial provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Amerifirst Financial complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.This job description is not intended to be an all-inclusive representation of all possible duties, responsibilities and/or qualifications. Other duties, responsibilities and/or qualifications may be assigned to this position as the need arises and/or management requires. Understands, accepts and recognizes requirements relating to compliance issues and attends training as is appropriate and relative to their position. Including, but not limited to: the Bank Secrecy Act: Anti-Money Laundering, USA Patriot Act.

Keywords: Amerifirst Financial, Gilbert , Reverse Mortgage Loan Originator, Other , Gilbert, Arizona

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