Job Description

Join a winning team of innovative thinkers, seasoned mortgage professionals, and financial experts. Build your career at Planet—recognized as a Top Mortgage Employer by National Mortgage Professional.

Position Overview:

The Inside MLO (Mortgage Loan Originator) is responsible for taking applications for all types of mortgage loans offered by the Company for customers reaching out to Planet via web portal or direct call. This position answers customer mortgage inquiries, analyzes the financial needs, educates, and advises the customer on product alternatives. Ensures the performance of all duties are in accordance with the company’s policies and procedures, all U.S. state and federal laws and regulations, wherein the company operates.

PRINCIPAL RESPONSIBILITIES

1. Responds to all customer inquiries in a professional and timely manner. Interviews applicants and requests specified information for loan applications. Enters application information into system.
2. Manages loan pipeline with all team members to meet company efficiency standards.
3. Analyzes applicant’s financial status, credit, and property evaluation to determine available mortgage products that best fits the needs of the applicant.
4. Speaks with borrowers to determine best loan program for individual needs after analyzing income, assets, credit, and property.
5. Obtains required information deemed necessary to submit the loan for processing. Keeps the applicant up to date on loan status as well as communicating pricing and rate lock options.
6. Observes and stays informed of developing trends in the industry and remains knowledgeable of changing guidelines, regulations, and business practices.
7. Attends training and seminars required to obtain appropriate state licenses and maintain those licenses. Demonstrates knowledge and adherence to EEO policy and all state and federal regulations.
8. Maintains minimum production standards.
9. Complies with organizational standards, policies, and procedures.
10. Performs other duties as assigned.

POSITION REQUIREMENTS

Education Level .

• High school diploma or equivalent required
• NMLS loan originator license required
• Continuing education classes required by licensing authority
• Continuing training class required by the company to meet CFPB requirements

Experience

• Minimum of one year of experience in the mortgage industry

Functional/Technical Skills

• Working knowledge of various mortgage products and underwriting guidelines
• Working knowledge of applicable laws and regulations related to mortgage lending
• Effective written and verbal communication skills
• Demonstrates a commitment to quality customer service
• Strong attention to detail
• Well organized with the ability to multi-task
• Treats people with respect
• Works ethically and with integrity
• Moderate PC skills (MS Office products) and experience with mortgage origination systems
• Ability to work flexible and varying work schedules to meet the needs of the business

Environmental/Physical Demands

Work is typically performed in a standard office environment. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job with or without accommodation. While performing the duties of this job, the employee is:

• Required to sustain predictable work attendance,
• Frequently required to stand, walk, sit, and use arms, hands, and fingers to reach, handle or touch, operate, place, or position.
• The employee must occasionally lift and/or move up to 10 pounds.
• Regularly required to communicate with others, detect, converse with, discern, convey, express oneself, and exchange information.
• Specific vision abilities required by this job include close vision, and ability to adjust focus.
• Some travel may be required

Pursuant to the Americans with Disabilities Act, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of an employee. The Company reserves the right to amend or modify this document at any time and without notice.

Benefits

Our benefits package includes 3 comprehensive Cigna or Kaiser medical plans, dental, and vision insurance. We provide short term and long-term disability insurance, basic life insurance, 401(k), and 11 employer paid holidays. In addition, we offer supplemental benefits to include life insurance, critical illness and accident plans.

Planet Home Lending does not accept unsolicited resumes or candidate submissions from recruiters or employment agencies. In the absence of an enforceable, fully executed agreement for a specified position, Planet Home Lending has no obligation to pay any compensation or recruiter fee of any kind. In the event a recruiter, agency or other similar third-party submits a resume or candidate without a valid binding agreement, Planet Home Lending explicitly reserves the right to pursue and hire those candidate(s) without any obligation or compensation to the referring party. Any unsolicited resumes, referrals, or candidate submissions, including those communicated to a member of the Human Resources team or a hiring manager, shall be deemed the property of Planet Home Lending. If you or your agency would like to be considered as a future recruiting partner, please email HR-Recruiting@planethomelending.com.

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