Bilingual Loan Originator

Vanderbilt Mortgage and Finance, Inc. is a national housing lender committed to making homeownership more attainable for families. The Bilingual Loan Originator guides customers through the loan process, evaluates applications, and ensures compliance with lending regulations while fostering positive relationships with clients and stakeholders.ResponsibilitiesFacilitates the lending process by assisting new and returning clients with loan applications, obtaining personal and financial information, describing types of loans, ensuring all documentation is complete and accurate, and coordinating with various stakeholders to expedite loan approvalsHelps determine appropriate loan products for individual home buyers; obtains leads through Retail Home CentersPresents or communicates credit terms for the purpose of negotiating prospective credit approvals required as part of the loan processEnsures timely and efficient processing of credit applications and communication to individual Home CentersEvaluates applicant financial information, including income, assets, liabilities, and credit history, to determine loan eligibility and risk levelDecisions mortgage loan applications based on borrower qualifications, creditworthiness, and adherence to lending guidelines and communicate decision with applicant; approves loans up to $175k for home only or $275k for land and homeEnsures compliance with lending regulations, internal policies, regulatory standards, and industry best practices throughout the loan origination processMaintains organized records of loan applications, correspondence, and related documentationIdentifies and mitigates potential risks associated with loan applications, such as fraud, misrepresentation, or inadequate collateralCommunicates effectively with clients, loan officers, underwriters, and other stakeholders to coordinate loan processing and resolve any issues or discrepanciesIdentifies opportunities for process improvement and efficiency enhancement in loan processing and customer service deliveryCommunicates underwriting decisions and requirements effectively with loan officers, processors, and other stakeholdersProvides explanations and guidance to resolve any issues or discrepanciesEmploys negotiation techniques and conflict resolution strategies to navigate challenging situations and achieve mutually beneficial outcomes for all parties involvedBuilds and maintains positive relationships by exhibiting consistent reliability, transparency and integrity with clients, referral partners, and other stakeholders to foster repeat business, referrals, generate leads, and cultivate new business opportunitiesAddresses issues and resolves conflicts in a timely and diplomatic manner, maintaining positive relationships and promoting client satisfaction any time issues arise during the loan application processSkillsBachelor's degree or equivalent experience required0 experience with bachelor's degree or 4 years related experience with high school diploma or equivalentNationwide Multistate Licensing Systems (NMLS) licensing for assigned states requiredMust be fluent in both English and SpanishHave taken or ability to complete required 20 hours education for licensing and continuing education requirementsMust meet all federal and state requirements (e.g., background checks and passing the licensing exam) to obtain a Mortgage Loan Originator (MLO) license within 90 days of employmentBasic computer skills with ability to type at least 25 wpmAbility to communicate effectively and efficiently via phone, email, and person to personExhibit adaptability and flexibility in adjusting communication styles and approaches to accommodate diverse personalities, preferences, and cultural nuancesCapability of gathering facts accurately, analyzing causes, evaluating alternate solutions, and arriving at sound conclusions on action to be takenAbility to manage multiple and/or conflicting responsibilitiesGreat attention to detail and organizational skillsAbility to work in a team environmentKnowledge of AS/400, Word, and Excel a plusBenefitsMedical and Dental Plan with Prescription Coverage and Vision.Competitive benefits including 401(K) includes 100% company match of the first 4%.Paid time off days (PTO), maternity/paternity leave, and holidays.Community involvement including Volunteer Paid Time Off (VTO).Tuition Assistance for your first degree.Enjoy coming “home” to our brand new, state-of-the-art Home Office equipped with onsite fitness facility with full gym, workout classes, volleyball and basketball courts, ping-pong, disc golf course, and onsite restaurant.Wellness programs that focus on emotional, social, spiritual, intellectual, environmental, physical, and financial well-being.Collaborative and energetic work environment.Professional development and promotional opportunities.Competitive bonus programs.Company OverviewAt Vanderbilt Mortgage, we believe homeownership makes lives better. It was founded in 1974, and is headquartered in Maryville, Tennessee, USA, with a workforce of 1001-5000 employees. Its website is https://www.vmf.com.



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