Senior Loan Officer (closed)

Lewes, DE
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Job Description
Job Description:
Since 1983, Embrace Home Loans, Inc. has been a trusted leader in the mortgage industry. Headquartered in the scenic Newport, Rhode Island, Embrace has a number of retail branch offices nationwide and originates business across 46 states. 

Embrace maintains an atmosphere where employee appreciation, personal growth and accountability are its core values. In 2010, 2009, 2008, 2007, & 2006, Embrace was selected as "The Best Place to Work in Rhode Island" (by the Rhode Island Society of Human Resource Management, and the Great Place to Work Group); the award was underwritten by the Providence Business News, which also bestowed Embrace with a "Business Excellence Award" for community involvement. In 2009, 2008, 2007, 2005 & 2004, Embrace was selected as one of the "50 Best Small & Medium Companies to Work for in America", (by the Society of Human Resource Management and The Great Place to Work Institute).

Job Description:
Embrace Home Loans, Inc. is seeking a qualified Senior Loan Officer to foster mortgage origination sales in our local branch office located in Lewes, Delaware. The licensed Senior Loan Officer will generate volume from the sale of real estate secured financing and develop volume from alternative sources.

Responsibilities:
*Establish, develop and maintain client referral relationships with Realtors, builders, Developers, CPA's, financial planners and make sales calls on potential or existing customers in order to develop new business and/or retain existing business.
*Keep informed of trends, changes and developments in the local real estate market.
*Be aware of what competitors are doing.
*To keep up-to-date with changing rules, regulations and guidelines from FNMA, FHLMC, FHA and VA in addition to other investors and agencies.
*To keep informed of all origination, processing, appraisal, underwriting and closing requirements for both company and investor guidelines pertaining to both governments insured and privately insured mortgages. 
*Negotiate price, terms, and conditions with mortgages.
*Coordinate customer interaction and interface with all parties involved on each individual loan that is originated from application to closing including, but not limited to: Counseling and Pre-qualifying potential home buyers; taking complete and accurate application; obtaining all necessary support documents along with the appropriate fees and lock-in information; overseeing the loan process by monitoring loan status and ensuring conformity with term; assisting in collecting additional documents and promptly communication loan status to all interested parties; and obtaining loan documentation after closing as directed by corporate or senior management. 
*Maintain a professional image and standards consistent with company policies and procedures. 
*Follow through on all professional conditions and education requirements for licensure. 
*Adhere to organizational procedures for loan processing. 
*May act as trainer for newly-hired mortgage loan officers. 
*Participate in branch/headquarter meetings that require attendance.
*All other duties that may be assigned by the Branch Manager.
Requirements:
*College degree or equivalent. Computer aptitude/experience.
*5+ years of loan originator experience.
*Knowledge in basic lending and credit markets.
*Strong oral, verbal, and written communication skills.
*Ability to work well under pressure and time deadlines as well as independently.
*Demonstrated abilities in the areas of problem solving, analysis, and time management.
*Interpersonal skills that forge professional relationships and support teamwork.
*Desire to be the best!

Benefits:
*Medical & Dental Coverage (commences 1st of month after date of hire)
*Long/Short-Term Disability & Life Insurance
*Marketing Dollars Earned
*401K Plan & Generous Match
*Employee Assistance Program & Work/Life Solutions
*Matching Gifts Program & Volunteer Program
*Adoption Assistance, Paid Holidays...and more

Embrace is an equal opportunity employer
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