Mortgage Loan Officer, Tidewater Market

This is a fully remote position, open to applicants in Virginia.

📋 Description

• Initiates and finalizes mortgage loan applications, forwards loan files to processing, and delivers exceptional customer service to our clients.

• Develops and executes a thorough business strategy aimed at boosting sales and fostering relationships with referral partners.

• Conducts loan applications via telephone, mail, and in-person meetings with clients, and authorizes loan disclosures for client distribution.

• Evaluates the appropriate program placement for loan files (such as FHA, VA, Conventional, USDA, etc.).

• Determines loan pricing and locks rates according to company policies.

• Reviews submitted applications and documentation for thoroughness, accuracy, and compliance.

• Runs Automated Underwriting System (AUS) checks and examines findings and required documentation.

• Prepares requested Pre-Qualifications in accordance with company policies.

• Orders credit reports, appraisals, and title requests as necessary.

• Engages in regular follow-ups with clients and referral sources.

• Maintains consistent communication with applicants throughout the processing phase, addressing any inquiries and informing them of additional information needed.

• Submits loan files within designated turnaround times and collaborates with the assigned Processor.

• Oversees a pipeline of all loans in progress, monitors their status, and adheres to all contractual deadlines.

• Supports all parties involved, including the Processor, throughout the entire loan process.

• Achieves or surpasses the minimum production standards.

• Participates in all settlements when feasible.

• Completes an annual Business Plan and meets regularly with the Sales Manager.

• Stays updated on trends and developments in the local real estate market and competitive landscape, as well as changes in regulations related to private and government-insured mortgages.

• Upholds a professional image and standards in alignment with company policies and procedures.

⛳️ Requirements

• At least 2 years of experience as a loan officer, or an equivalent background deemed acceptable by the Sales Manager or Branch Manager.

• NMLS registration is mandatory.

• Demonstrated capability to read, write, and communicate effectively at a level appropriate for this position, while independently generating leads for new business and engaging professionally with current and former clients.

• Solid understanding of standard loan products within the industry and strong familiarity with underwriting guidelines.

🏝️ Benefits

• Comprehensive benefits package available at https://www.atlanticunionbank.com/about/careers/benefits