Loan Officer Partner / Loan Officer / Pre Approval Specialist / Loan Structuring Expert

Join Our Elite Team as a Pre Approval Specialist / Loan Officer Partner / Loan Partner 1 / Loan Structuring Expert Do You Thrive on Client Satisfaction and Loan Success? In this role, you don't need to worry about getting new clients, cold-calling, buying leads, or chasing realtors. We get referred prospects and clients so you can work your magic. Do you specialize in pre-approving clients, structuring loans, pricing loan scenarios with multiple lenders, restructuring difficult loans, and thrive at making clients happy? Do you love to work hard and get rewarded big? Do you have a can do and find a way attitude? Do you love busy loan officers handing you the clients to get 5-star reviews based on your incredible service and skills? Unleash your potential and make a profound impact while bypassing the typical challenges of getting new clients and paying out the nose for marketing! Your mission Service clients at the highest level, this includes analyzing customer credit, reviewing income, assessing documents, communicating by phone, texting, and emailing effectively to ensure efficient, successful loan closures. Work with a top team of processors and support while your two top loan officers drive business growth. You'll excel in fast pre-approvals, submissions, and structuring mortgages. Only apply for this job if you currently work at a Mortgage Broker/Lender and are able to facilitate smooth, flawless closings from application completion to funding. Why You’ll Love This Role • Motivated Environment This is a salaried position with performance bonuses, eliminating the stress of commission-based pay. Work with positive market makers to drive the team to new heights. • Fast-Paced & Detailed Work We value speed, extreme attention to detail, and organization. • Problem Solving & Customer Service You’ll leverage your skills in structuring loans, securing the best rates, and saving complex transactions, all while delivering top-notch customer service. Compensation $155,000 - $250,000+ Responsibilities • Document Review Scrutinize each document in the loan package for omissions, discrepancies, and errors. Notify the clients and team promptly. • Customer & In-House Inquiries Address all transaction-related inquiries and provide quotes when necessary to ensure exceptional customer service. • Primary Contact Serve as the main point of contact during the "contact to contract" phase, liaising between clients, referral partners, and the loan officer. • Loan Application Coordination Complete loan applications, gather necessary documents, run DU/LP/AUS, send closing cost worksheets to borrowers, and prepare impeccable files for processing. • Relationship Building Maintain and build relationships with borrowers and referral partners to retain current customers and attract new ones. Qualifications • Master of Time Management and Client Engagement You must be the driving force behind our efficient pipeline, a master of time management. You'll conquer every file with precision, solve problems swiftly, and complete outstanding tasks thoroughly. A daily routine of engaging with clients by phone, providing timely updates, and assisting them with any missing items. Transform challenges into opportunities and create a seamless experience for our clients, ensuring their needs are met with excellence. • Expert Knowledge Strong understanding of Fannie, Freddie, FHA, and Non-QM guidelines. Quick at finding solutions. • Credit & Income Analysis Skilled in reviewing credit reports, solving issues, and accurately analyzing income. Can pre-approve a mortgage loan in 3 hours or less. • Comprehensive Experience Proven track record of taking a mortgage loan from application to funding, managing every step to meet deadlines. • NMLS License Current NMLS license or willingness to get licensed within 90 days. • Technical Proficiency Familiar with automated underwriting systems like DU and LP. • Experience 2+ years as a LOA/Loan Partner, Processor, Loan Officer, and/or Underwriter required; 5+ years preferred. Skills Superb follow-up, time management, interpersonal, and communication skills. About Company Vista Loans and Xpert Home Lending. Vista Loans is a California and Florida mortgage brokerage that uses cutting-edge tools to find our clients tailored mortgage products with some of the industry's most aggressive rates. Xpert Home Lending is one of the fastest-growing and top-performing mortgage brokers in the country, licensed in most states. Apply Job!