Loan Originator

General Summary

As a Loan Originator with Envoy Mortgage we provide you with a high standard of service, support and tools, with one goal in mind -- Improving Lives! By listening to our originators and leveraging our teams and resources, we create a work environment poised for success while remaining a competitive lender and employer in the mortgage industry. Through this business approach Envoy Mortgage has been awarded Top Mortgage Employer by Mortgage Professional, 50 Best Companies to Work for by Mortgage Executive Magazine, and the Top Tech Housing Award many years running.

Come join us, and be part of a team where your success, is our success!

General Summary

The Loan Originator provides residential mortgage loans and generates leads to increase production. The Originator obtains purchase and refinance mortgage loans in accordance with established company policies and procedures and industry guidelines by calling upon realtors; builders; past clients and referral partners; while providing strong communication and support to management, production staff, underwriting, and customers.

Duties and Responsibilities

The primary job duties and responsibilities of this position include but are not limited to:

• Promote Envoy's products to Real Estate Agents, Home Buyers, other lead sources and all referral sources.
• Prospect & procure new loan applications by meeting with and presenting products to potential referral sources such as realtors, CPAs, financial planners and past clients that result in funded loans
• Educate borrowers on current offerings and programs for which they qualify
• Ensure all marketing is performed in a manner that is compliant
• Create & maintain data from new loan applications and other documents in origination system
• Reviews loans in process daily and determine priorities
• Performs document audit and resolves exceptions to approve (or reject) loan packages for funding
• Receive & process Change of Circumstances (CoC) and resubmit loan package, ensuring compliance with Fannie Mae and Freddie Mac
• Re-disclose all new loans when there is a Change of Circumstance (CoC)
• Generate and distribute Decline/Rejection letters to borrows not meeting minimum requirements, in compliance with industry guidelines and regulations
• Authorize and/or order credit reports, appraisals, flood certifications, and title work
• Defers loans that do not meet basic standards to Underwriter
• Provides follow-up on a consistent basis with internal staff, borrowers, and agents to complete processing
• Analyzes loan files and submits completed loans for approval
• Responds to inquiries from agents/referral partners and borrowers regarding status of loans in process.