Mortgage Loan Officer

Saxon’s roots date back to 1989 and since then we have consistently increased our market share in the sub-prime and non-conforming mortgage arena. We specialize in the business of making loans available to borrowers who need help repairing their credit. Our focus on customer service and the best employees in the business have made Saxon a superior lender. We remain grounded in our corporate philosophies of commitment, teamwork, and integrity.

We currently have Mortgage Loan Officer positions available in our Foothills Ranch, CA location.

This position is responsible for producing and maintaining monthly loan production goals.

ESSENTIAL DUTIES AND RESPONSIBILITIES:



Maximize mortgage sales by expertly explaining SHM products and programs to customers responding to direct solicitation campaigns
Perform loan pre-qualifications by analyzing applicant data against SHM product and program guidelines
Present customers with loan disclosure packages
Assist processors, closers, underwriters and telemarketers in facilitating funding of applications as part of the customer sales team
Promote and build total customer satisfaction by representing Saxon Home Mortgage products in a positive and persuasive manner

Saxon Home Mortgage offers a comprehensive benefit program including immediate vesting in our 401K plan and competitive salary structure. We are an equal opportunity employer.
REQUIREMENTS
REQUIREMENTS
QUALIFICATIONS:


· High school diploma or equivalent



Experience Requirements:

· One-year retail mortgage loan origination experience preferred.

· Sales or collections background a plus



Skills/Knowledge Requirements:

Working knowledge of Windows-based computer applications: experience with electronic origination system a plus
Thorough knowledge of residential mortgage origination process and federal and multi-state specific disclosure laws, including RESPA, Reg Z, ECOA and fair housing issues
Thorough understanding of retail mortgage products including both first and second mortgages, HELOCs, fixed and ARM loans
Thorough understanding of retail mortgage pricing scenarios
Ability to analyze and work with key mortgage underwriting ratios including debt-to-income ratios and loan-to-value ratios