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Loan Advisor
Universal Lending. Guide homebuyers through the mortgage process while promoting Universal Lending Corporation’s loan products .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in mortgage origination, including loan application processing, compliance with lending regulations, and customer relationship management. Proficient in utilizing Encompass and other loan origination systems to ensure efficient loan processing and customer satisfaction.
Highest-signal resume keywords
Mortgage Origination ExperienceActive MLO LicenseEncompass ProficiencyCustomer Service SkillsNegotiation Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Loan Application ProcessingFinancial AnalysisPrequalification AssessmentCompliance with Lending RegulationsLoan Rate Negotiation
Soft Skills
Professional CommunicationCustomer Relationship ManagementProblem AnticipationTeamworkListening Skills
Tools & Technologies
EncompassAutomated Underwriting SystemsExcelWordOutlookPowerPoint
Certifications & Qualifications
Active MLO LicenseEligibility under the Federal SAFE Act
Industry Keywords
Mortgage ProductsLending RegulationsFinancial Industry KnowledgeLoan Pipeline ManagementBuilder Partnerships
About the role
Key responsibilities & impact- Guide homebuyers through the mortgage process while promoting Universal Lending Corporation’s loan products
- Build rapport with sales agents at Risewell communities and division personnel
- Educate potential borrowers and homebuilder sales representatives on company products and services
- Complete thorough loan applications and obtain required applicant information
- Communicate with applicants by telephone, email, or in person to resolve application questions
- Perform prequalification assessments and analyze financial condition and financing risk
- Apply company credit policies, state and federal lending regulations, and mortgage programs
- Negotiate loan rates, terms, and conditions
- Lock loans on time and in the correct product type
- Submit complete loan applications, documents, and disclosures to the processing center
- Input loans into Encompass and applicable automated underwriting systems such as DU or LP
- Assist with and resolve processing, underwriting, and closing issues within the loan pipeline
- Maintain knowledge of the financial industry, economy, market conditions, rates, vendors, and competition
- Maintain compliance on all loan files and the pipeline
- Apply sound decision-making to applicant inquiries, approvals, and requests
- Maintain professionalism, integrity, teamwork, and customer service throughout the sales process
- No supervisory responsibility; occasional travel may be required
Requirements
What you’ll need- Must reside in the state of Washington or Oregon
- Must have an active state MLO license in each state where business is to be conducted or be willing to obtain additional state licenses in WA, OR, CA, AZ, CO, FL and TX
- Highschool diploma or general education degree (GED) required
- 4-year college degree preferred
- Minimum 5 years lending origination experience, preferably with builders
- Working knowledge of Encompass or other LOS systems
- Proficient in Excel, Word, Outlook, and PowerPoint
- Ability to plan for contingencies, anticipate problems, and identify risks
- Ability to negotiate to produce positive outcomes
- Ability to effectively listen and respond to customers’ needs
- Superior customer service skills
- Professional written and verbal communication
- Ability to maintain and foster strong partnerships with builders and customers
- Ability to ensure customer satisfaction throughout the sales process
- Ability to identify customer needs and adapt sales presentations effectively
- Must be eligible for licensure under the federal SAFE Act § 1008.105
- Must be authorized to work in the United States
- Valid driver’s license and active vehicle insurance required at all times
Benefits
Comp & perks- Eligibility for monthly and quarterly bonuses
- Base salary paid bi-weekly
- Remote position
- Occasional travel may be required
- Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions