Loan Advisor

This is a fully remote position, open to applicants in Oregon, +1 more state.

📋 Description

• Assist homebuyers throughout the mortgage process while showcasing Universal Lending Corporation’s loan offerings.

• Establish strong relationships with Risewell Homes sales agents and other division staff.

• Inform potential borrowers and homebuilder sales representatives about company products and services.

• Complete loan applications and gather necessary applicant information.

• Communicate with applicants via phone, email, or in person to address application inquiries.

• Conduct prequalification assessments and evaluate financial conditions and financing risks.

• Implement company credit policies, lending programs, and adhere to state and federal lending regulations.

• Negotiate loan rates, terms, and conditions effectively.

• Ensure timely locking of loans in the appropriate product type.

• Submit thorough loan applications and collaborate with the designated processing center.

• Enter loans into Encompass and automated underwriting systems such as DU or LP.

• Address and resolve processing, underwriting, and closing issues within the loan pipeline.

• Stay informed about the financial industry, economic trends, market conditions, rates, vendors, and competitors.

• Maintain compliance across all loan files and the pipeline.

• Deliver exceptional customer service and support throughout the sales journey.

• Occasional travel may be necessary; this position does not involve supervising employees.

⛳️ Requirements

• Must be a resident of Washington or Oregon.

• Active state MLO license in each state where business is conducted, or willingness to secure additional state licenses in WA, OR, CA, AZ, CO, FL, and TX.

• High school diploma or GED is required; a 4-year college degree is preferred.

• At least 5 years of lending origination experience, preferably with builders.

• Familiarity with Encompass or other loan origination systems.

• Proficient in Excel, Word, Outlook, and PowerPoint.

• Capable of planning for contingencies, anticipating issues, and identifying risks.

• Skilled in negotiation to achieve favorable outcomes.

• Effective listening and ability to respond to customer needs.

• Outstanding customer service skills.

• Professional written and verbal communication abilities.

• Capacity to maintain and build strong partnerships with builders and customers.

• Ensure customer satisfaction throughout the sales process.

• Ability to recognize customer needs and adjust sales presentations accordingly.

• Must be eligible for licensure under the federal SAFE Act § 1008.105.

• Must be authorized to work in the United States.

• A valid driver’s license and active vehicle insurance are required at all times.

🏝️ Benefits

• Eligibility for monthly and quarterly bonuses.

• Bi-weekly base salary payments.

• Occasional travel may be necessary.

• Reasonable accommodations may be provided to enable individuals with disabilities to perform essential functions.