Mortgage Loan Officer

Mortgage Loan Originator

Pay: Compensation for this position is based solely on commission.

Why join us?

At Silverton Mortgage, our team members recognize that home loans are as unique as the people who seek them and work closely with borrowers to find the right program to fit their specific needs. We are guided by the strong belief that communication is key, which is why we take pride in helping home buyers through the entire loan process, from application to closing, managing all aspects in-house. We take pride in giving back to the community which is why we started the Silverton Foundation with the mission to provide a mortgage and rent assistance program to help reduce financial and emotional burdens, allowing parents to focus on their child’s health. Our goal is that when their child is ready to return after the crisis, their home and loved ones are waiting.

• Earned 2022 & 2024 Top Workplaces Culture Excellence recognition for Innovation, Work-Life Flexibility, and Compensation & Benefits issued by Energage and USA Today.

• Recognized in Atlanta Business Chronicle for multiple years as one of the Best Places to Work, and as a Top Workplace in both the Atlanta Journal-Constitution and Charlotte Observer.

• Acquired by Vanderbilt Mortgage and Finance (Clayton Homes) in 2018.

• Competitive pay and benefits, 401k match, 10 holidays, PTO, Volunteer Time Off.

What we offer

Silverton Mortgages offers a wide variety of loan programs and sales training resources aimed to help our Loan Originators grow their business:

• Weekly Sales Training: Weekly review and open forum discussion of sales tactics, accountability, setbacks, and success stories along with group coaching.

• Product Training Lunch n’ Learns: Product launches, Sales, and marketing training, including product guides, system training, sales tactics and overview of marketing material.

• President’s Club: Each year, Silverton Mortgage recognizes our Loan Originators who meet the highest standards both in sales and client satisfaction. We recognize these achievements with the President’s Club distinction, as well as an all-inclusive, all-expenses paid trip for you and your plus-one.

• National Sales Calls and Rallies: Recap of monthly numbers and status of team goals, as well as a celebration of LOs achieving their Best Month Ever, welcoming new hires, and recognizing top producers. Includes both personal and professional growth. This is a great opportunity to learn from and bond with your peers, as well as sales, operations, and executive leadership.

• Annual In-Person & Online 8-hour Licensing CE: Silverton delivers your annual required CE from a customized Silverton point-of-view and application. Conducted in-person for a small group and live-streamed for online viewers.

• CRM: Easily keep in touch with prospects and referral partners to grow your business. Automated marketing campaigns, SMS, and webphone tools included.

• Social Media: Silverton-provided marketing materials and training on how to grow and manage your social platforms. 1-1 support available.

Responsibilities and Duties:

The Mortgage Loan Originator (MLO) reports to a direct Branch Manager and is responsible for originating residential mortgage loans that meet Silverton’s guidelines. Mortgage Loan Officers are responsible for abiding by and remaining in compliance with all Federal and State laws governing the mortgage industry, as well as any additional applicable laws in the states in which Silverton is currently licensed.

• Maintain active Mortgage Loan Originator licensure and keep current information in the National Mortgage Licensing System.

• Abide by Silverton’s company-specific compliance policies, including but not limited to Silverton’s Anti-Money Laundering policies, Safeguard Governance, Regulation Z, Red Flag, RESPA and other policies.

• Meet production guidelines as established by the Branch Manager.

• Originating the file, quote, making application, disclosing within RESPA, Reg Z and Fair Credit and Reporting guidelines and requesting all required documentation from the client.

• Communicate the loan process to your borrowers, fully describing the borrower’s responsibilities during the loan application and loan term.

• Verify information provided by your borrower, completing the application review and preparing the file for submission to underwriting, meeting all conditions.

• Submitting files into processing.

• Self-managing your time and structuring work hours when companies are open and consumers are available to ensure that you are available to your customers as well as to Silverton’s support staff.

• Generating your own leads. As a general rule, Silverton does not provide leads to MLOs. Your business should be built on referrals from existing customers and contacts.

Qualifications:

• Meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.

• Preferred minimum of 2 years of residential mortgage origination

• Documented residential mortgage loan volume in the past 12 months

• Established relationships with local referral networks

• Ability to communicate clearly, effectively using both verbal and written communication, across a variety of audiences

• Strong computer skills, experience utilizing laptop technology and loan originator software

• Excellent time management skills

Silverton Mortgage is committed to creating an inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status.

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