Experienced Bi-Lingual Loan Originator (Multi-State)

HarborOne Mortgage is looking to expand its sales team in all markets that it currently serves. If you are bi-lingual and looking to join a well-rounded and competitive mortgage team, we have exciting opportunities to explore. We are seeking great candidates in MA, NH, ME, RI, NJ, CT, VT, and FL.

Get to know HarborOne Mortgage:

Established in 1917 as Brockton Credit Union, HarborOne Bank has been serving the needs of customers and the communities that we call home for over 100 years. HarborOne Mortgage, headquartered in Manchester, NH, provides personalized residential lending solutions through a network of more than 35 offices in Massachusetts, Rhode Island, New Hampshire, Maine, and New Jersey and lends in five additional states (VT,CT, SC, NC & FL). As a wholly owned subsidiary of HarborOne Bank, we are staffed by a seasoned team of mortgage professionals backed by the strength of New England’s largest state-chartered cooperative bank. We provide our customers with what we call the HarborOne Mortgage Experience (HOME) bringing together products, pricing, service, and support that makes HarborOne Mortgage tough to beat. Our expansive team of Loan Originators are an integral part of a culture that lends itself to unparalleled success. A direct seller to FNMA/FHLMC/GNMA, HOME offers a great suite of products augmented by boutique portfolio options through our bank. We have been one of the best kept secrets in the Northeast and we are aggressively looking to grow our team. We look forward to having you join HarborOne!

ESSENTIAL DUTIES:

• Principal duty is the origination of mortgage loans, i.e. sales.
• Ongoing, in-person contact with referral sources, to ensure continuous leads and relationships with individuals such as borrowers and realtors.
• Conducts sales calls, attends realtor sales meeting, open houses, functions and trainings.
• Takes thorough and complete loan applications; analyzes and prequalifies applicant information to determine viability of the client’s desired loan program.
• Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower’s statements
• Corrects inaccuracies and determines correct loan options for the borrower based upon the applicant’s present situation, future plans and preferred loan product.
• Provides guidance and information relevant to the risks and benefits of each program the applicant is qualified for.
• Effectively explains and communicates the terms of each product and ensures all documents necessary are signed by the borrower.
• Gathers all initial documentation required based upon the applicant’s selected loan program including disclosure requirements.
• Provides loan package to the loan processor for review, stacking and pre-submission audit.
• Works with the loan processor to provide any letters of explanation, or additional documentation as necessary and required by underwriting to clear all conditions and close each loan.
• Maintains a working file for the office as required for compliance.
• Acts as a liaison for all parties to the transaction, i.e. buyer, seller, realtor, builder, title company, appraiser, credit vendors, etc.

KNOWLEDGE, SKILLS AND ABILITIES:

• Thorough understanding of mortgage products, pricing and guidelines.
• Up to date understanding of all regulatory compliance and participate in various required trainings HarborOne Mortgage provides.
• Ability to take accurate and thorough loan applications
• Possess a working knowledge of credit reports, DTI, LTV, and CLTV ratios
• Have excellent communication and interpersonal skills
• Attention to detail and outstanding customer service is critical to success
• Ability to create, implement and adapt a market penetration strategy for lead development, prospect to client conversion, and client to close conversion.
• Ability to self-source business through sales activities including cold calling, appointment setting, and group presentations.
• Ability to create marketing systems to source new business as well as keep in touch with existing clients, realtors, builders, etc.
• Experience with Outlook, Microsoft Office and other similar software preferred.
• Bi-lingual

EDUCATION:

• A minimum 1 year of Mortgage Origination experience is required

PHYSICAL DEMANDS:While performing the responsibilities of this position, the employee is required to effectively communicate verbally. The employee must be able to effectively operate a keyboard. The employee is occasionally required to reach with arms and hands and occasionally lift and/or move up to 10-15 pounds. Vision abilities is required by this job include close vision. The requirements outlined above are representative, but not all-inclusive, of the knowledge, skill and ability of this position. Reasonable accommodations will be made to enable employees with disabilities to perform essential job functions