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Mortgage Loan Officer - 1067 AFN Fresno

American Financial Network, Inc Clovis Full-Time
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American Financial Network (AFN) is a unique force in the mortgage market. We are one of the nation’s largest privately held mortgage companies with the resources necessary to compete on a national level with the largest publicly held banks. We are currently one of the Top 50 Lenders in the country and maintain the financial strength, liquidity and determination to become one of the top 10. AFN maintains speed to decision, responsive communication and flexibility through its private ownership and flat organizational structure.

We are a team of dynamic, visionary and opportunistic professionals that thrive on the utilization of teamwork and technology to outperform our competition. We are driven by a vision of being a market leader through creating the ultimate in customer service and being consistently better by always seeking new ways to improve.

AFN’s Clovis California branch is looking for Loan Officers to join the TEAM!

Job Summary

Under the direction of the Branch Manager, the Loan Officer facilitates commercial and/or residential mortgage loans, and advises borrowers on available finance options.

Job Description:

  • Responsible for the outside sales and origination of self-generated residential mortgages. Customarily and regularly involved in activities related to selling loans away from the office.
  • Develop and maintain relationships with real estate agents, financial planners, individual borrowers and builders, etc.
  • Accurately obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Meet with applicants to obtain information for loan applications and to answer questions about the process.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Responsible for proper adherence to legal regulatory and company policies/procedures.
  • Follow proper risk audit and compliance controls to mitigate financial risk to the organization while maintaining an environment focused on quality customer service.
  • Responsible for ensuring that outstanding service is delivered to our customer and clients.
  • Perform business development activities to increase recurring production including: maintenance of a client database, client and customer calling/monitoring efforts and additional activities as proposed by management.
  • Manage a loan pipeline and the loan process to ensure loans fund in a timely manner.
  • Interact with various corporate functions i.e. legal & compliance, operations risk, underwriting, closing, technology, etc., to improve the loan servicing process, minimize risk and improve performance tracking and controls.
  • Develop and maintain relationships with real estate agents, financial planners, individual borrowers and builders, etc.
  • Attendance requires regular, reliable and punctual attendance.
  • Follow proper risk, audit and compliance controls to mitigate financial risk.
  • Handle customer complaints and take appropriate action to resolve them.
  • Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
  • Review and update credit and loan files.
  • Submit applications to credit analysts for verification and recommendation.
  • Analyze potential loan markets to develop prospects for new loans. Assist in defining existing loan products and developing new loan products to improve profitability and sales execution.
  • Other duties as assigned.

    Essential Function:

    Originate residential real estate mortgage loans. This includes obtaining applications as well as coordinating and assisting in the processing and closing of loans. The Loan Officer will develop and maintain existing client relationships as well as identify and pursue potential new customer opportunities. Responsible for making sound decisions based on a mixture of data analysis resources and experience, use rigorous logic, seek complete course of action in decision making, and articulate recommendations in writing and verbally. Consistently meet or exceed company goals, and meet and maintain all licensing requirements including continuing education.

    Minimum Qualifications:

  • Two to three years of experience in a loan origination experience.
  • NMLS state and federal.
  • Knowledge of conventional and/or government guidelines.
  • Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending.
  • Ability to manage a heavy pipeline of 50 plus loans.
  • Teamwork and customer service oriented.
  • Self-motivated and highly organized.
  • Familiar with FHA and HUD guidelines.
  • Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information.
  • Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
  • Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
  • Ability to analyze and comprehend complex financial data and provide financial alternatives.
  • Professional and effective interpersonal skills.

American Financial Network, Inc. is an equal opportunity Employer.

#CB

#IND1066

 

Skills required

Insurance Sales
Business Licensing
Unsecured Debt
Retailing
Loan Origination
Sales
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As one of the fastest growing mortgage bankers in the United States, we opened our doors in 2001 and have since expanded with many community based branches across the nation. Headquartered in Brea, CA, AFN built its reputation as an outstanding mortgage banking firm by serving the lending needs of real estate professionals, builders, and individual homebuyers throughout the United States.

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