Mortgage Banker/Mortgage Loan Officer
Apply NowCompany: Summit Lending
Location: Huntington Beach, CA 92647
Description:
Description
We are seeking the right people to join our team as experienced, service-focused, and detail-oriented mortgage loan officers. At Summit Home Lending, we don't just talk about our core values - we live them every day. Our team culture is built on integrity, constant improvement, and creating a supportive environment where obstacles are removed so you can thrive. If you're passionate about providing top-tier solutions for clients and want to be part of a team that works hard, celebrates success, and supports each other, we'd love to hear from you. Apply today and see how you can grow with us!
Responsibilities
Manage warm transfers and fresh leads, averaging 8 to 10 daily, to effectively drive business growth
Handle the application process, pitch to qualified borrowers, and guide them through loan options
After loan sales, the focus shifts to selling to the next borrower as processing staff takes over file management
Provide counseling to borrowers, educating them on the advantages and disadvantages of different loan products to guide their choices
Oversee customer interactions and ensure smooth transactions by liaising with realtors, processors, and underwriters
Maintain a substantial pipeline of loans to meet production requirements effectively
Collaborate closely with industry professionals to gather and prepare all necessary information, ensuring compliance with underwriting standards
Ensure all phases of the loan process are performed in accordance with regulatory and company guidelines
Exceed our production standards by maintaining an active pipeline
Interact with customers, realtors, processors, and underwriters to ensure a smooth transaction
Ensure accurate and timely preparation of all required documents from borrowers, loan officers, title companies, and other related industry professionals
Counsel borrowers to understand the pros and cons of different loan products to determine which is best for them
Prospect, develop, and maintain relationships with potential new business referral partners such as realtors, builders, bank colleagues, and the community at large
Counsel borrowers to understand the pros and cons of different loan products to determine which is best for them
Ensure all phases of the loan process are performed in accordance with regulatory and company guidelines
Interact with customers, realtors, processors, and underwriters to ensure a smooth transaction
Manage a large pipeline of loans to ensure your production meets our requirements
Qualifications
Strong understanding of HELOC/HELOAN guidelines and structuring
Current NMLS license
Strong time management abilities, capable of prioritizing tasks and handling multiple leads simultaneously
Meticulous attention to detail, ensuring accuracy and compliance with regulations
Comprehensive knowledge of various loan products, eligibility criteria, and industry trends
Adaptability to changing market conditions and client needs
Commitment to ethical conduct and integrity
Proficiency in loan origination software and other technological tools
Understand a variety of loans such as: FHA, VA, USDA, conventional, fixed/ adjustable, bridge, non-conforming, FNMA and FHLMC, and Home Equity Lines of Credit
Understanding of loan originator software such as Experian, LendingWise, or Calyx, and Office Suite highly preferred
Bachelor's degree from a four year college or university required in banking, business, real estate, or a related field
Exceptional decision-making ability, superior written and verbal communication skills, and superb interpersonal and customer service skills required
We are seeking the right people to join our team as experienced, service-focused, and detail-oriented mortgage loan officers. At Summit Home Lending, we don't just talk about our core values - we live them every day. Our team culture is built on integrity, constant improvement, and creating a supportive environment where obstacles are removed so you can thrive. If you're passionate about providing top-tier solutions for clients and want to be part of a team that works hard, celebrates success, and supports each other, we'd love to hear from you. Apply today and see how you can grow with us!
Responsibilities
Manage warm transfers and fresh leads, averaging 8 to 10 daily, to effectively drive business growth
Handle the application process, pitch to qualified borrowers, and guide them through loan options
After loan sales, the focus shifts to selling to the next borrower as processing staff takes over file management
Provide counseling to borrowers, educating them on the advantages and disadvantages of different loan products to guide their choices
Oversee customer interactions and ensure smooth transactions by liaising with realtors, processors, and underwriters
Maintain a substantial pipeline of loans to meet production requirements effectively
Collaborate closely with industry professionals to gather and prepare all necessary information, ensuring compliance with underwriting standards
Ensure all phases of the loan process are performed in accordance with regulatory and company guidelines
Exceed our production standards by maintaining an active pipeline
Interact with customers, realtors, processors, and underwriters to ensure a smooth transaction
Ensure accurate and timely preparation of all required documents from borrowers, loan officers, title companies, and other related industry professionals
Counsel borrowers to understand the pros and cons of different loan products to determine which is best for them
Prospect, develop, and maintain relationships with potential new business referral partners such as realtors, builders, bank colleagues, and the community at large
Counsel borrowers to understand the pros and cons of different loan products to determine which is best for them
Ensure all phases of the loan process are performed in accordance with regulatory and company guidelines
Interact with customers, realtors, processors, and underwriters to ensure a smooth transaction
Manage a large pipeline of loans to ensure your production meets our requirements
Qualifications
Strong understanding of HELOC/HELOAN guidelines and structuring
Current NMLS license
Strong time management abilities, capable of prioritizing tasks and handling multiple leads simultaneously
Meticulous attention to detail, ensuring accuracy and compliance with regulations
Comprehensive knowledge of various loan products, eligibility criteria, and industry trends
Adaptability to changing market conditions and client needs
Commitment to ethical conduct and integrity
Proficiency in loan origination software and other technological tools
Understand a variety of loans such as: FHA, VA, USDA, conventional, fixed/ adjustable, bridge, non-conforming, FNMA and FHLMC, and Home Equity Lines of Credit
Understanding of loan originator software such as Experian, LendingWise, or Calyx, and Office Suite highly preferred
Bachelor's degree from a four year college or university required in banking, business, real estate, or a related field
Exceptional decision-making ability, superior written and verbal communication skills, and superb interpersonal and customer service skills required