Mortgage Underwriter jobs in Bakersfield, CA

The Dodds Team at VIP Mortgage Inc. is focused on growing its footprint and has an opportunity for an experienced Loan Officer. Our Team has over 60 years of cumulative mortgage experience, and we are constantly rated at or near the top of client feedback/surveys. VIP's culture is centered on HEART and its care for its people. VIP has been voted #1 Best Place to Work five years in a row. If you're looking for a team & company with HEART, committed to fulfillment and cultivating their own...Then you should come grow with us.

We are looking for the right Loan Officer to join our Team. The primary function of the Loan Officer is to proactively originate mortgage loans from their personal database of new (& existing) clients.

Essential Job Functions:

• Provide exemplary service that meets and exceeds our client's expectations.
• Be registered/licensed with the Nationwide Mortgage Licensing System (NMLS) and Registry to comply with the S.A.F.E. Act.
• Originate real estate loans in accordance with agency standards and loan production goals by contacting prospective referral sources and clients
• Enhance & maintain relationships with realtors, brokers, and other referral sources to ensure continued growth and referral business.
• Explain, advise, and communicate loan terms, provide guidance and information relevant to the risks and benefits of each loan program, and set realistic expectations for clients.
• Analyze loan applications to ensure FNMA, FHLMC, FHA, VA, Correspondent, Broker, and Warehouse guidelines are met. Thoroughly analyze the client's credit history and determine creditworthiness. Responsibilities also include recognition of suspicious or fraudulent activities.
• Remain the front-line contact with clients to ensure outstanding customer service. Keeping contact with clients from start to finish in the loan process and answer any client questions along the way; to include any milestone updates, loan terms / structure, closing dates, and Final HUD review.
• Complies with applicable mortgage laws and policies; ensures compliance with HMDA requirements.
• Provides interest rates, products, and services information to clients throughout the loan process. Responsible for locking rates and restructuring loans if needed.
• Perform any duties/activities assigned by management

Qualifications:

• Must be: self-motivated, hard-working, service-driven, and have high integrity and moral standards. Attention to detail is a necessity...And team players only!

WORKING CONDITIONS: Fast-paced working environment. Flexibility to work from home, or office.

PHYSICAL DEMANDS: Dexterity of hands and fingers to operate a computer keyboard, reaching overhead, above the shoulders and horizontally, bending at the waist, climbing kneeling, and stooping for installation of hardware, and hearing and speaking to communicate and provide information to others.

Here at V.I.P, our culture mirrors that of H.E.A.R.T:

H eart

E ffective Urgency

A bsolute Respect

R ewarding Performance

T otal Integrity

We treat our staff and clients as family and hold true to the standard that service should always be a 10. We are looking for that next all-star that can join the V.I.P family!

VIP Mortgage, Inc. is an Equal Opportunity Employer