Junior Loan Officer

Job description

Academy Mortgage Corporation is currently seeking a Junior Loan Officer to join our team! Markets Academy's mortgage products to referral sources and consumers under the guidance of an experienced Loan Officer. Examines, evaluates, and recommends approval of customer applications for loan origination.

Essential Functions & Responsibilities:

• Actively markets the company's mortgage lending program to companies and individuals within the real estate community.
• Ensures all compliance requirements, including company policies and federal and state regulations, are met.
• Reviews and evaluates information on mortgage loan documents to determine if borrower and property meet company and regulatory standards. Recommends loan application for approval or rejection, or requests additional information. Establishes terms and conditions of an approved loan and reviews with customer.
• Ensures that company customer service standards are met. Performs other duties as assigned.
• Other Functions and Responsibilities
• Ensures all loan decisions are made within established time frames and in compliance with lending policies, procedures, rules, and regulations.
• Communicates loan decisions to all involved parties within established timeframes.
• Troubleshoots and resolves customer and internal inquiries in a timely, friendly, accurate manner.
• Maintains a delinquency rate at or below branch/region expectations of loan portfolio.
• Maintains a charge‐off rate at or below branch/region expectations of loan portfolio.
• Develops and maintains knowledge of all mortgage products and rates within the company and from the mortgage industry.
• Maintains appropriate licensure for all loan origination activities.

Education and Experience: 1-3 years current mortgage origination experience; experience must be within the last two years. Active State Loan Originator License (NMLS). A High School Diploma or equivalent education and work experience is required.

Interpersonal Skills: Work normally involves contacts with persons beyond immediate associates, generally regarding routine matters for purposes of giving or obtaining information, which may require some discussion. External contacts take the form of service to the public (customers or vendors) and requires ordinary courtesy in providing assistance or exchanging factual information.

Other Skills: Basic word processing and computer skills are required.

Physical Requirements: Requires effective communication with customers and/or other employees using common telecommunications equipment and computer equipment. Must be able to read, examine, and organize documents in English. May require the ability to sit, stand, and walk around for extended periods of time. May also require the ability to lift up to 25 pounds.

Work Environment: Position will often be in a busy office environment. The ability to multitask and focus in this environment is essential.

Disclaimer: This Job Description is not a complete statement of all duties and responsibilities comprising this position.

Academy Mortgage Corporation is an EEO Employer, who participates in E-Verify. Reference checks are a prerequisite of employment. All offers are contingent on successful completion of a criminal background check and credit checks, as required by state regulation. All successful candidates must provide original documents that will establish their identity and eligibility to work in the United States as required by the Immigration Reform and Control Act.

We thank all individuals for their interest in Academy Mortgage however, only those selected for interviews will be contacted.

AA/EOE/M/F/D/V

Job Type: Full-time

Ability to Commute/Relocate:

• Raleigh, NC (Required)

Experience:

• Recent Mortgage Loan Origination: 1 year (Required)
• Customer service: 3 years (Required)

License/Certification:

• NMLS (Required)

Work Location:

• One location

Work Remotely:

• No