Loan Origination Specialist

WHY CHOOSE US?

At Sierra Pacific Mortgage we believe any successful business or individual is built upon a solid foundation – for us, we refer to it as ONE Sierra. Within our organization, we’ve been very intentional about defining our pillars and holding ourselves accountable to living these principles every minute of every day.

These pillars inform every action we take with each other, our business partners, and our customers. When you join our team, you’ll immediately recognize that these values set the tone and tenor for our entire company culture.

Since its inception in 1986, Sierra Pacific Mortgage has been built upon the foundation of quality lending practices, unparalleled service, industry knowledge and unmatched integrity. Dedicated to excellence, our team respects and challenges each other, holds each other accountable to our company’s standards and ethical behavior, and shares in the success of a growing organization. Promises Made. Promises Kept.

MUST HAVES

• Associate degree plus two years of customer service/sales experience or equivalent 


• Mortgage sales and/or industry experience preferred 


• NMLS License plus training and on-going certification required by the state where the licensee is currently employed 


• Basic understanding of current mortgage laws, guidelines and loan programs


• Familiarity with real estate market in local area


• Excellent communication skills including the ability to explain the mortgage process and effectively interact with customers and internal resources


• Able to read and interpret documents such as promissory notes, regulatory and legal directives and other loan documents


• Able to plan and organize tasks and work responsibilities to achieve objectives


• Able to complete work in a timely and consistent manner


• Able to define problems, collect data, establish facts and provide information that is thorough and concise to management for resolution


• Able to interpret an extensive variety of technical instructions


• Able to work well under pressure, meeting multiple and sometimes competing deadlines


• Able to apply basic math: compute loan amounts, income and other mortgage related calculations


• Basic computer skills required:  word processing, email and mortgage software

WHAT YOU WILL DO

• Train on SPM systems, policies and processes with the goal of transitioning into a Mortgage Loan Originator in approximately six months’ time 


• Participate in mortgage origination sales training necessary to support evolution into MLO role


• Manage relationships, source applications, originate conventional and government residential mortgage loans, perform sales-generating activities, service and maintain current clients


• Responsible for the cultivation of external lead sources to generate origination loan volume 


• Identify and establish new referral sources through a variety of sales efforts including but not limited to: visiting the offices of real estate brokers, developers, builders and financial planners, to solicit referrals for mortgage loans  


• Regularly participate in business development activities with professional organizations to maintain a network of quality business relationships that serve as a recurring source of referrals for new mortgage lending opportunities


• Attract new borrowers through the creation of information mailings, advertisements, seminars focused on home buyers and participation in community efforts to promote homeownership


• Cultivate repeat business from existing base of borrowers


• Consult with borrowers to identify their loan needs, assess/analyze their financial situation, determine the correct loan options and provide information relevant to the risks and benefits of each program for which each borrower is qualified 


• Guide customers through the loan process by obtaining all borrower required documents, providing borrowers with regulatory disclosures and assist with the submission to underwriters


• Coordinate all aspects of the mortgage application process with appropriate parties


• Resolve outstanding issues in order to clear conditions and facilitate the closing of the loan


• Other duties and/or mortgage related tasks as requested by management

WHAT WE VALUE – OUR PILLARS OF SUCCESS

• Do the Right Thing – Always. Make the right choices in relationships with team members, customers, and partners regardless of the circumstances and without making excuses. 


• True Ownership. Own your actions and demonstrate personal and corporate commitment to your customers.


• Unsurpassed Speed. Demonstrate a sense of urgency and heightened awareness in everything you do. Provide a fast-paced, seamless, and supportive transaction from start to finish. 


• WOW Experience. Go above and beyond your customer’s expectations, notice the little things that make a big difference and assume full responsibility for delivering superior service – service that leaves your customers saying, “Wow!”


• Create What’s Next. Be a leader of change, serve as a pioneer in the industry. Expertise, insight, and initiative drive our actions.

WHAT YOU’LL GET

• Competitive total compensation package


• A full benefits package including medical, dental, vision, 401k, pet insurance and PTO


• Discounted home loans for employees and their family members


• HSA and FSA plans


• Professional opportunities for upward mobility, training, and personal development


• Privately held mortgage company for over 35 years

• WORK CONDITIONS AND PHYSICAL REQUIREMENTS


• Able to navigate a standard office environment


• Able to attend meetings off-site


• Must be available to customers outside of normal business hours, including evenings and weekends


• Some business travel may be required 

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Sierra Pacific Mortgage is an Equal Opportunity Employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.