Job Description

Benefits:

401(k)

Flexible schedule

Training & development

Who you are:

A Mortgage Loan Originator who authorizes and evaluates loan applications, guiding clients through the lending process while ensuring compliance with regulations.

Who we are:

We are Southern Mortgage Solutions! A mortgage brokerage that is rapidly expanding in a unique way. All of our company, no matter what role, is 100% remote. We have created a culture-inclusive environment, though we don’t see each other in person. Through using several channels, we have created a family environment no matter where we are, and our family is looking to grow!

If you are an experienced MLO who feels isolated in their current position and wants to become part of a family, we are the fit for you! We are currently licensed in Georgia, Florida, and Alabama, with applications pending in other states.

Key Responsibilities

Evaluate Loan Applications: Review and assess loan applications to determine eligibility based on creditworthiness and financial history.

Customer Interaction: Act as a liaison between clients and financial institutions, explaining loan options and terms in an understandable manner.

Documentation: Collect and verify financial information from borrowers, ensuring all necessary documentation is complete and accurate.

Collaboration: Work closely with underwriting teams to ensure that loans meet eligibility requirements and underwriting guidelines.

Relationship Building: Foster positive relationships with clients and referral sources to generate new business and maintain existing relationships.

Market Awareness: Stay updated on market trends, lending laws, and regulations to ensure compliance and provide informed advice to clients.

Required Skills and Qualifications

Educational Background: A valid NMLS number is required.

Experience: Prior experience as an MLO required. Retail or brokerage, however experience working in a brokerage is a plus.

Analytical Skills: Strong analytical skills to evaluate financial documents and assess creditworthiness.

Communication Skills: Excellent verbal and written communication skills to effectively explain loan products and terms to clients.

Attention to Detail: Ability to maintain accurate records and ensure compliance with regulatory requirements.

Work Environment

· 100% fully remote position. Your self-sufficiency is your lifeline in this role.

· In-house processor and licensed LOA is included at no fee/discount in commission. You and your referral partners will have the cell phone number of a licensed LOA to take in loan applications and pre-approval documents, and an in-house processor for your files when they are in contract. This is a huge benefit to build the trust of your team with your referral partners, and allow you to focus on what you do best- originating loans!

· Guaranteed commission rate per BPS. We don’t play the “if you do this, you get that amount of BPS game.” Flat rate BPS for your self-produced leads, and house leads. · Mentorship. Our broker owner is a highly performing, top-producing Loan Officer in his state, and his mission is to foster and mentor loan officers. You won't be working under a nameless broker who doesn't know what you deal with on a daily basis.

This is a remote position.

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