Job Openings

Licensed Mortgage Loan Officer

The purpose of this position is to proactively solicit new residential mortgage clients while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower’s financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts.• Develop new business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.
• Develops solid PHM product knowledge and offers clients the best mortgage products to match client needs
• Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines
• Analyzes and exercises independent judgment and discretion in advancing PHM’s business objectives and the interests of PHM’s customers regarding significant financial decisions
• Carries out major assignments affecting business operations of the employer or the employer’s customers through:
• Collecting and analyzing information regarding the customer’s income, assets, investments, or debts
• Analyzing applicant data, credit, and collateral property value
• Determining which financial products best meet the customer’s needs and financial circumstances
• Providing advice to the customer regarding the advantages and disadvantages of available financial products
• Marketing, servicing, or promoting the employer’s financial products * Completes necessary CE in a timely manner and remains current on local developments and trends within the real estate and mortgage industries
• Provides origination services in the state of licensure
• Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities
• Corresponds, communicates and coordinates with clients, in-house support staff, and external service providers to facilitate timely closingsQualifications
• Sales experience in the mortgage industry is required
• Familiarity with mortgage processes, procedures, rules, regulations, and compliance
• Exceptional customer service skills with a strong attention to detail
• Excellent written and verbal communication skills
• Strong computer skills including a working knowledge of MS Office
• Ability to comprehend and analyze financial information
• Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
• Established contact and referral list within the real estate and mortgage industries preferred
• Ability to pass a required background checkWork Requirements Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. Employment with PHM requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as PHM policies. The ability to work extended hours may be required.

Starting pay of $30,000 per year. Salary ranges vary based on commissions and the success of each individual.

619 S Bluff St
Contact (435)256-8218 for more information