Loan Originator NE Red Bluff, CA at Hilltop Securities Inc. in Remote

Summary: Hilltop Securities Inc. is part of PrimeLending, a company focused on simplifying the home loan process. The Loan Originator role involves marketing and promoting loan products, establishing relationships with clients, and guiding customers through the loan application process. Responsibilities: - Evaluates PrimeLending’s and other loan products and services and determines which financial products best meet the customer’s needs and financial circumstances - Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required - Markets and promotes PrimeLending’s financial products - Originators are expected to meet the Company’s minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending’s product set - Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers - Collects and analyzes information regarding the customer’s income, assets, investments or debts - Advises the customer regarding the advantages and disadvantages of different loan products - Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information - Oversees the loan process by monitoring loan status and ensures conformity with terms - Communicates loan status to all interested parties, and obtains loan documentation after closing - Presents terms and conditions of loans with customers - Stays abreast 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 - Maintains a professional image and adheres to standards consistent with company policies and procedures - May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s) - Other duties as assigned Required Qualifications: - High school diploma or equivalent and appropriate licenses as required by state - Valid driver's license and current automobile liability insurance - A minimum of 12 months loan originator experience required - Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc - Demonstrated judgment and decision making ability - Excellent and effective presentation and communication skills, both verbal and written - Ability to quickly assess and process large amounts of data and use of appropriate AU software technology - Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts - Continue to expand knowledge of issues influencing the industry and the organization Required Skills: Loan origination, Automated underwriting (AU) software, Mortgage products and services, Customer data analysis, Real estate market knowledge, Loan documentation and processing, Licenses required by state for loan originators, Judgment and decision making