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Loan Officer


This is a Full-time position in Chandler, AZ posted May 2, 2021.

Job DescriptionPosition SummaryThe Loan Officer is responsible for originating loans for Offerpad customers and manage their progress through underwriting, processing, closing and post-closing. This role will provide this vital support by generating and maintaining communication between the customer and internal Offerpad teams and by maintaining a satisfactory closing/backlog capture ratio and expected customer satisfaction.Essential Functions Deliver excellent customer service, including competently coordinating and directing all aspects of the loan process, keeping the customer well informed, and providing information and required documentation to customers in a timely manner.Exercise sound professional judgment in all matters related to Offerpad and OPHL including knowledge of products, statutory and other requirements, identifying client needs.Originate and prepare new loans to ensure all loans meet the guidelines of internal policies and procedures.Counsel and pre-qualify potential customers, including the obtaining of complete and accurate loan application information, analyzing such information, and advising customers regarding all aspects of the loan process, feasibility of granting loan and alternative financial products available.Obtain pricing, secure and lock precise loan terms, and effectively communicate loan details and terms with customers; review HUD-1 for accuracy prior to closing.Maintain notes within the origination system to ensure complete exchange of information regarding loan applications, loan status, conversations with customers, underwriting and lock-in information.Responsible for researching products and underwriting guidelines; stay informed of market trends and developments; stay abreast of new types of loans and other financial services and products.Responsible for understanding and complying with all laws, rules and regulations pertaining to all types of mortgage loans.Participate in real estate functions or special events, etc., to develop and maintain relationships.Work with Branch Manager and other Loan Officers on local marketing campaigns utilizing Mortgage Returns, Offerpad leads, etc.Experience and SkillsMinimum Qualifications NMLS License & specific State license. Minimum of 2 years’ experience in originating mortgage loans.Loan Originator License required and must maintain the license in good standing; must have completed pre-education requirements and passed the Loan Originator test.Experience with all types of mortgage products, FHA, VA, conventional, DPA and Jumbo.Must be willing to pass a background check.Solid general mortgage banking background, including knowledge of lock procedures.Ability to maintain flexible work schedule, including evening and weekend work.Ability to read and interpret governmental regulations and procedure manuals.Strong communication, analytical and math skills are essential.Excellent communication (oral and written) skills.Exhibits sound judgment and swift decision-making skills.Ability to remain competitive and coachable while working in a fast-paced sales environment.Desire to take your sales career to the next level.Ability to adapt well to change with the willingness to maintain a flexible schedule.Team player attitude.Demonstrated ability to build and maintain relationships with internal and external stakeholders.Preferred Qualifications 1 year of purchase experienceLicensed in multiple statesExperience reaching or exceeding sales goals and objectivesProven success in a sales or customer service roleJob BenefitsWhy Work with Offerpad? It’s simple: We’re here to help. We help people by providing the best way to buy and sell a home. Period. If you’re passionate about helping people, too, in an environment where every day matters, where you’ll thrive on innovation, collaboration and recognition for your inspiring ideas and be rewarded for your results, then welcome home to Offerpad! We’re a fast-growing, fast-moving, compassionate customer-obsessed team of like-minded business disruptors who are continually challenging and changing the way traditional real estate works. We’re all about homes, not houses. Since 2015, we’ve grown from an entrepreneurial upstart in three markets to an industry-leading technology innovator with more than 500 happy humans working together to help customers in 900+ cities and towns across the country. As we continue to grow and expand, our goal remains the same: Make the process as seamless and stress-less as possible to help them move freely and enjoy the best customer experience available. While we work hard to serve our customers – we have a 95% customer satisfaction rating and 84% Net Promoter Score we also work hard at taking care of one another. We’re family here, we work hard but we have a lot of fun. Our culture is one of inclusivity and support, one that values results, nourishes creativity and relishes and rewards each other’s success. If home is where your heart is and making people happy is your passion, we welcome you to join our team of intrepid innovators, technology gurus, real estate experts and all-around great people at Offerpad! Check our current job postings below to see everything we have to offer! Offerpad can offer you: • Competitive compensation • The opportunity to make a difference in a fast-growing, startup environment • Strong, collaborative team culture • Benefits, including medical, dental and vision coverage, 401(k) • Mileage reimbursement (where applicable for role) • 11 paid holidays a year • Flexible PTO